Date Received: 2020-04-25
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I can not link my PNC main checking account to my other bank checking accounts via XXXX or to make direct free money transfers between my own bank accounts any longer. I also can not link it to XXXX to pay my mom/sisters for minor small things for $ XXXX we are splitting for free any longer.
Company Response:
State: GA
Zip: 30040
Submitted Via: Web
Date Sent: 2020-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-25
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Issue 1. In an attempt to link my XXXX payroll to my PNC Businesses account authentication mechanism are preventing link from occurring Issue 2. I have to profiles at PNC Bank and only one cell phone. PNC Bank does not allow multiple profiles to be linked to one cell phone. This creates a security vulnerability and non compliance to FFIEC Guidelines on two factor authentication controls for end points because you can only do two factor for one account. thus the only work around is customer have to purchase two phone or use a softphone through XXXX which creates additional vulnerabilities. By not allowing the user to tie all profiles to one cell phone, a threat senior is as follows : attacker could add there attacking 's phone number ( softphone ) and the user would not know because they don't have alerting turned on the second profile. A solutions is PNC can allow one phone to be associated with multiple profiles
Company Response:
State: VA
Zip: 22485
Submitted Via: Web
Date Sent: 2020-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Unable to reconnect my checking account to my XXXX account. Previously had access but recently had to reset password. Now unable to reconnect
Company Response:
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2020-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I currently have my home mortgage with PNC Bank. On Friday, XX/XX/XXXX, my wife, a XXXX in a XXXX XXXX, XXXX XXXX for XXXX. Now, we are both mandated to quarantine for at least the next 14 days. With our next payment due on the 1st, we are worried that we might not be able to make our payment of {$1700.00}. After reading about the CARES ACT, passed on XX/XX/XXXX, I reached out to PNC, by phone, regarding mortgage forbearance on our FHA loan. The cares act states that one can receive up to 12 months forbearance on a current mortgage, due to coronavirus related issues. I was told by a bank representative that their policy was 90 days, without making a payment, or making partial payments, with no late fees and no credit reports, for the missed payments. However, at the end of the 90 days, we would have to pay the total, {$5100.00} missed payments. I stated that if someone couldn't make one payment, being out of work for an extended period of time, how would they expect us to pay 3 payments. She responded that a review was possible, at the end of 90 days, but with no reasonable solution given to us, it seems like we will be forced into a possible foreclosure. There was no mention of adding the missing payments at the end the mortgage due date. THIS IS OF NO HELP TO ANYONE. A 3rd grade student can see that this is a set up for failure, or better yet a total disaster for the American homeowner, who by no choice of his own is thrown into this ring of fire. Please help us, and millions of others, facing total devastation due to this XXXX plague, the coronavirus.
Company Response:
State: RI
Zip: 02904
Submitted Via: Web
Date Sent: 2020-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-25
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I use XXXX XXXX XXXX on occasions but fight with them to link MY accounts. I have the information and I have the funds being deposited. It helps me throughout the week but is a continuous problem. I have had to redo passwords build new accounts more than necessary because of their continuous blocking. I have given my permission and called them to which they say it isn't them. ( XX/XX/XXXX-XX/XX/XXXX )
Company Response:
State: PA
Zip: 173XX
Submitted Via: Web
Date Sent: 2020-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-25
Issue: Other service problem
Subissue:
Consumer Complaint: My account was unlinked with XXXX. Was told that my account is being prevented from linking. Not cool.
Company Response:
State: IN
Zip: 47303
Submitted Via: Web
Date Sent: 2020-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-24
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2020 and XX/XX/2020 PNC Bank charged my account XXXX each time without telling me they would do so. They said I signed an agreement 6 years so saying they might do that but haven't produced the agreement. They started these charges right in the middle of the pandemic. Grossly unfair. I contacted them on XX/XX/2020 ( XXXX XXXX and XXXX XXXX ) and they said there is nothing they can do. If it started in normal times I would have noticed right away but these are NOT normal times. Companies should be trying to help consumers, not hurt them, during this time. They said I received emails on this but they never tried to call or send a letter or anything.
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2020-04-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PNC Bank XXXX XXXX XXXX XXXX, OH XXXX RE : Banks Failure to Post Payment Today, I received notice from PNC Bank ( Bank ) that our mortgage payment was late ; however, payment was made to the Bank on time, that payment was cashed by the Bank, and the Bank failed to appropriately allocate my payment to my account. Upon receiving the referenced late notice, I called PNC Bank Customer Service, where I waited on hold for approximately 10 minutes. When I was finally connected, I spoke to XXXX XXXX. I shared with XXXX, the following : 2 checks sent in one envelope to the bank, with the payment slip totaling {$2500.00} ( as done in prior months, with extra going to principal ) o Check # XXXX ( XXXX XXXX XXXX XXXX ) - {$1500.00} was cashed by the Bank onXX/XX/XXXX o Check # XXXX XXXX XXXX XXXX XXXX XXXX ) - {$1000.00} was cashed by the Bank on XX/XX/ Both checks included the account number XXXX advised that the payment for {$1000.00} ( # XXXX ) was applied to my account ; however, the other check ( {$1500.00}, # XXXX ) was not applied to my account. XXXX then requested a supervisor to review the account, but due to excessive wait times and heavy call volume, a supervisor was unavailable. As a result, XXXX was opening a research ticket into the matter. I am requesting immediate and full resolution to this matter, with written notice of the resolution, incorporating the following : The late payment of {$62.00} removed from account Any and all credit bureau reporting corrected, noting that this is a Bank error A copy of this letter has been sent to the bank.
Company Response:
State: MD
Zip: 21740
Submitted Via: Web
Date Sent: 2020-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: My wife and I applied for an auto loan refinance on XX/XX/20 using the online application at PNC. She was approved for the loan with a rate of 3.39 %. PNC informed us that we would need to go to a branch to close the loan and the rate was locked for 2 months. We checked the website and loan portal link on XX/XX/20 and confirmed that the rate of 3.39 % was approved and the best rate offered on their website. On XX/XX/20 she went to the branch in XXXX, VA. After collecting additional information PNC informed us the rate was now 0.4 % higher. After informing them that was not agreed upon we logged on to the loan portal to see the rate was changed just minutes ago. We had a screen shot as proof of the original approval after the branch manager claimed we had no documentation to support our claim. The best rate offered on their website was 3.39 % on XX/XX/20 as well. This is classic bait and switch. They were unable to close the loan that day and were unsure if they could resolve the matter despite our complaints.
Company Response:
State: VA
Zip: 22201
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This complaint is about the CARES Act, Corona Virus mortgage relief program. As I understand, if I have a federally backed loan, I can apply for forbearance for up to 180 days. I have a XXXX XXXX owned loan serviced by PNC Bank. I applied for forbearance due to my salary being reduced during this pandemic. I was told the only forbearance available was to delay my payments for 90 days, but that all previous three months payments would be due at the end of the 90 days. That's not much of a relief. I do not believe this is the proper response by PNC Bank and would like clarification on this matter. Sincerely, XXXX
Company Response:
State: SC
Zip: 29625
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A