Date Received: 2020-04-10
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/2020 and XX/XX/2020 I requested balance transfers for two other accounts I was planning to pay off using a balance transfer. The XX/XX/2020 payment did not arrive at the financial institution until XX/XX/2020 and the other payment has still not arrived ( as of XX/XX/2020 ). As a result of the slow process I was concerned about being charged late fees on both accounts so I paid the minimum payment but as a result of the late balance transfer I ended up being charged interest on those accounts. On XX/XX/2020 I called PnC who told me it could take as long as 23 days to process a balance transfer. I have done many other transfers before and never had it take 23 days. I would not have used this service had I known it would take 23 days since that is a headache. Given COVID19 I also worry that my payment was delayed processing since they are likely short staffed at all the institutions. I called PNC asking for them to waive the fee on the BT and they told me they could not do that and I should expect the payment to take as long as 23 days. In my opinion, this is poor service given the circumstances. I would like both of my balance transfer fees to be removed since I've had to call both of the other institutions and used my " one time fee waiver '' as a result of PNC 's slow process.
Company Response:
State: NC
Zip: 28270
Submitted Via: Web
Date Sent: 2020-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-09
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/XXXX I entered a XXXX XXXX transfer from my PNC checking account to my mother 's checking account at XXXX XXXXXXXX XXXX for {$25.00}. When I entered the transaction through my online banking portal with PNC, the system confirm on the screen stated funds would be received in my mother 's account by XX/XX/XXXX. On Monday, XX/XX/XXXX, I called PNC Bank because my mother indicated the funds still had not come through. The PNC rep I spoke with indicated there was no indication of any XXXX XXXX transfer on the system, indicating I had either not entered it or somehow had made a mistake. This was very frustrating, as the online system had indicated my transfer had gone through and that the funds would arrive by Thursday, XX/XX/XXXX ( 2 business days ). The rep stayed on the phone with me while I entered a new transfer. She verified it went through and she could see it on her end. Both the online banking system and the rep stated the funds would be in her account by Thursday XXXX ( 2 business days ). The rep also verified XXXX XXXX XXXX participated in the XXXX XXXX program so there should be no issue with my mother receiving the funds. On Tuesday XX/XX/XXXX, I entered another XXXX XXXX transfer for {$45.00} from my PNC checking account to my mother 's XXXX XXXX XXXXXXXX checking account. Once again, the system indicated the funds would be received by Thursday XXXX ( 2 business days ). On Thursday XX/XX/XXXX, my mother indicated the funds still did not show in her account, nor were there any pending deposits. On my end, the PNC online banking system showed my account had been debited for both the {$25.00} transaction and the {$45.00} transaction, with a posting date of Wednesday XX/XX/XXXX. I called PNC Bank and the rep stated I should give it more time ; she stated the funds may not show up until XX/XX/XXXX or XX/XX/XXXX. She could offer no explanation as to why this happened and offered no solutions on how to rectify the problem. My mother called XXXX XXXX XXXX directly and they indicated they, in fact, do NOT accept XXXX XXXX. I called PNC Bank back, and the rep, who was extremely condescending, stated the only way to get the funds back at this point would be to dispute the transaction, and that it would take 10 business days at a minimum to dispute the charges. She gave no assurance the situation would/could even be resolved, leaving me with no resolution. When I asked to speak to a supervisor, I was put on an endless hold. After at least 30 minutes of waiting, I had to hang up. So as of right now, my PNC checking account has been debited a total of {$70.00} and I was given no assurance it would be credited back ; I was only told I could dispute the transaction.
Company Response:
State: MO
Zip: 63385
Submitted Via: Web
Date Sent: 2020-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-08
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: XX/XX/2020I attempted to deposit money in my business checking account to cover a XXXX overdraft fee that had been assessed to account # XXXX. The ATM rejected the payment. Later in the afternoon I called customer service to find out the reason my payment had been rejected. I had been transferred to ( 3 ) representatives. ( 2 ) of the representatives said nothing just forwarded the call and the ( 3 ) representative answered the call pleasantly and upon verifying my name, abruptly became rude and stated " THIS CALL IS RECORDED AND IS AN ATTEMPT TO COLLECT A DEBT! He continued to over talk me and I said " STOP, what is this about? I called you. I went to the bank to deposit funds into my account and the deposit was not accepted. '' I don't understand what you mean that you're trying to collect a debt. I'm calling to find out what is going on? '' The gentleman began to explain to me. He stated that his statement was a MINI Miranda and by law and the fair credit reporting act he was obligated to say that to me. Again I reminded him that I was at the bank and they wouldn't accept my payment.. I also told him I was very uncomfortable as I had done nothing wrong, That I was paying and I saw no reason for him to make those statements or to treat me so inappropriately. Furthermore I requested to speak with a supervisor in order to clear up the misunderstanding, The gentleman then informed me that my account had been closed on XX/XX/XXXX because I never resolved the issue.of overdraft fees that had been assessed to the account on XX/XX/XXXX. I shared with this person that I had no knowledge that the account was approaching closure status because of that and that I was trying to pay the fees. Unfortunately the gentleman kept saying he had issued a mini miranda. I requested to speak with a supervisor again. Reluctantly he passed on the call but not to the corporate headquarters. The next rep, a retail escalations manager, XXXX did allow me to explain that I attempted to resolve the matter and that I called the branch and was told that I had to speak business banker regarding my concern but the business banker was not available to speak with me at the time that I called. However the representative stated that a message would be left and the business banker would return my call. The business banker never returned my call. When I did not hear back from the business banker after waiting for one week, I called customer service a second time. During the call the, customer service rep did reduce the fees, I had the impression that the only thing that had to occur to completely resolve the issue was for me to pay the fees. The customer service person never said anything about a deadline for payment to avoid closure of my account. According to XXXX the customer service person probably didn't have the information about the intent of the bank to close the account. Her specific words were " She had no way of knowing that was coming. ''??? Then she made an inference that I wasn't telling the truth about the ATM rejecting the payment. She also acknowledged that there was an communication error and that not much could be done about the closing. Also that it was too late for my account to be reopened that the only option available would be for me to re-apply for a new account. I shared with her that I was disappointed because of all the advertising that PNC has put out lately about being considerate of their customers in the wake of the present pandemic. In my case that wasn't true. PNC did not give me the benefit of the doubt nor did they share that they had decided to close my account without informing me and giving me an opportunity to resolve the issue. They just closed the account. I have good reason to believe that this was intentional and in bad faith due to the rejection of my payment that would resolve the issue.
Company Response:
State: MI
Zip: 48503
Submitted Via: Web
Date Sent: 2020-04-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-08
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: PNC is very disorganized. My husband who I am in the process of divorcing, reached out and spoke to a representative to open a home equity line of credit on my name. He was able to get everything done via phone call and then pressured me to the bank to sign. I was XXXX months XXXX XX/XX/2019 XXXX XXXX and wanted no drama since I had a high risk XXXX. To my understanding the account was on my name so he had no rights to the HELOC. Little to my surprise PNC sent the card the our home address and he created a pin and began using the funds. When I came to know of this, XXXX XXXX XXXX XXXX XXXX XXXX I went to PNC to notify the bank branch. I explained that the charges were not made by me but rather my husband, I went in on a Saturday, XX/XX/2019 to be exact. I was informed that I needed to go back on a business day. I returned to the bank on Monday XX/XX/2019. During my visit and explaining the situation, the representative was more interested in the " juicy '' personal details rather than helping me. The representative went on to state that my husband had gone in the branch and asked for the pin to be reset on the XXXX XXXX card, to which she willfully admitted it was " suspicious '', but yet she went ahead and did it anyway? I was 3 weeks XXXX at this time and living in fear for my life. I asked for the line of credit to be closed and the representative said " we can not close it unless you are paying off the $ XXXX ''. She never guided me to dispute the charges or advised on what steps to take. She did call the XXXX number and tell them the situation, but at no point did ANYONE of PNC advise or help me. I was in an XXXX relationship with a XXXX XXXX XXXX and needed guidance. PNC is a joke and a waste of time. When I finally got my life in order and disputed the charges, the excuse I am getting is that the charges can not be disputed because the PAYMENTS were at one point made form a joint account. What does that have to do with unauthorized charges on my behalf which I reported as soon as I became aware? I have been put through the ringer with PNC, they have not been timely. In fact they have made so many errors. They kept sending statements I was requesting to my husband in Florida. He changed the address on file. I have been trying to get issues corrected, but no one is willing to give me the time of day. As a new, single mother who is working full time to provide for my daughter and myself I have received ZERO empathy or understanding from this company. Such a shame.
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: 2020-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-07
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: XX/XX/2020 I reached to PNC Bank to attempt to reset my online banking PIN to gain access to my online banking. I contacted Online Banking and Customer Service. I was told to reach out to a Branch on XX/XX/2020. I did reach out to a branch on XX/XX/2020 and was told my account was in a purgable status of being closed. NO ONE told me this on XX/XX/2020 Friday or I would have got the funds to bring the account current and requested the fees to be refunded from XX/XX/2020 due to being out of work due to COVID 19. On XX/XX/2020 I reached out to the account closing department and was told they could not help me with the fees or reopen my account. I needed to get the account reopened as sole proprietor I had applied for EIDL lending. The account is being closed for {$330.00} XX/XX/2020 I spoke with XXXX and she filed a complaint for me she also said that the employee in online banking and customer service may have not known the account was closing on XX/XX/2020 so if that was the case how am I supposed to know that as a consumer. I asked her that question and she said she didn't know. of this balance {$280.00} is made of {$36.00} of overdraft charges and {$7.00} in daily overdraft fees. For a total of {$290.00} if this was refunded I would have only owed PNC Bank a total of {$44.00} and the account would have not closed out. XX/XX/2020 XXXX from PNC Bank escalation department called me and stated it had already went to a collections department. They would not help me with the fees after I told her I had been out of work since XX/XX/2020 due to the COVID 19 virus and my line of work. I have banked with them for 15 years and she did not seem to care and there was nothing she could do. Due to these unprecedented times I would think they would be willing to work with me and not close my account over {$44.00}.
Company Response:
State: OH
Zip: 45005
Submitted Via: Web
Date Sent: 2020-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-06
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: We deposited our income tax refund check in our PNC bank checking account through the ATM in amount of {$5900.00} on XX/XX/2020. The check was denied and a email was sent as a duplicate check. Nothing was sent to our home address from XXXX, Pennsylvania through the United States Post Office. So right now it is considered as a lost check and nothing is being done with PNC bank about finding our check. All PNC bank is telling us that we should contact the IRS, when the issue of the lost check is on PNC 's banking end. They have the original copy of the check, we never got an original or duplicate back so that it could be re-deposited. In all their making it seem like it is our fault that it has been lost in the mail, we have never received it back in the 1st place.
Company Response:
State: OH
Zip: 43612
Submitted Via: Web
Date Sent: 2020-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-04
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: I went to XXXX XXXX XXXX with an ad to purchase a XXXX XXXX XXXX for {$16000.00}. I was told this was the purchase price and signed documents with the correct purchase price. When I was at the dealership, I informed them that I did not want my credit pulled repeatedly and that I was already financed with XXXX XXXX. They stated that they could not give me the sale with XXXX XXXX and that they would run my credit with one other company. They ran my credit with 9 other companies. When I left the dealership they gave me a manila envelope which they stated contained the financial documents. A few days later, I received an email from the dealership stating that I needed to pay {$500.00} more. The dealership was unable to explain the purpose for the additional {$500.00}. When I received a copy of my credit report on XX/XX/XXXX, I noticed that PNC listed the loan for {$33000.00}. I contacted PNC to find out why and they informed me that the documents from the dealership provided these amounts. I went to the dealership on XX/XX/XXXX but was informed that the general manager was not there. On XX/XX/XXXX after two weeks of trying to reach the dealership, I sent an email. I went back to the dealership on XX/XX/XXXX to inquire about the mix up. The general manager, " XXXX '' printed a copy of the documents and I noticed that the documents did not contain my signature or initials and that someone had forged a signature that did not look like my signature nor appear to be my name spelled correctly. I informed the XXXX that I did not sign those documents and that there was fraud. He offered to give me {$3000.00}. I explained that it would not resolve the issue of being overcharged by {$16000.00} and he informed me that there was nothing that he could do and that his employees would not forge someone's signature. I did not authorize anyone at the dealership to sign my name. I never saw the documents with the {$33000.00} amount until I obtain a copy of the altered documents on XX/XX/XXXX. I immediately contacted the bank, police, and credit bureaus to inform them of the fraud.
Company Response:
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2020-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I noticed looking online at my Home Equity Loan payment history and payment breakdown, that many of my payments, sometimes for months in a row, were entirely applied to interest and nothing was applied to principal. I contacted the XXXX number for my bank maybe a year and a half ago (? ) and the representative told me it appeared as though there was an error in how my payment was applied because I used the online money transfer option to make the payment online instead of mailing in my payment with a payment coupon. It was a system error she said. She said she would fix it and when I later logged in the payments were applied in a way that I would expect : e.g. most of the payment to interest given the age of the loan but a notable portion to principal, and an adjusted remaining loan balance. The same thing happened a few more times since then, including several months in a row at the end of XXXX and into XXXX. In XX/XX/XXXX I called a loan officer from my branch to have the error corrected again and ask how I could avoid this problem in the future with online transfer payments. She did some research and got back to me saying that my payments were correctly applied according to bank policy for payments made after the due date. She said that because the payment was after the due date it was applied to the interest of the payment past due as well as the upcoming payment before it could be applied to the principal. She also told me that I had no grace period on this loan but accepted correction when I stated that my payment coupons show a due date of the XXXX of the month with a late fee incurred on the XXXX of the following month, indicating a 15 day grace period. None of my payments on this loan were ever over 30 days late. I am a XXXX XXXX XXXX I've had other HEL 's and HELOC 's as well as many mortgages. I've never heard of this policy or had this experience at another institution. This policy resulted in many of my payments having nothing at all applied to my principal and I believe resulted in a higher remaining balance than if payments had been applied according to the amortization rate that I see with my other real estate secured loans. Indeed, when I ran my loan specifics through an online amortization calculator it produced a remaining balance almost {$2000.00} lower than what my bank claims. Can you tell me if this is a legitimate industry practice in the application of Home Equity Loan payments?
Company Response:
State: PA
Zip: 18102
Submitted Via: Web
Date Sent: 2020-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-02
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/XXXX, PNC Bank informed me that my Standard Checking account was being marked Inactive and will likely be closed. This is despite the fact that _every_ month for over 10 years I have deposits and withdraws into and out of this account. That includes every month leading up to this notice. I called customer service and they informed me that the type of deposit and withdraws I was making werent considered activity even though their values vary, the deposits are manually executed and vary by day, etc. While they agreed to temporary mark my account active again, their said their automated checks will simply mark it inactive again until he future unless I start transacting in different ways, e.g. making ATM withdraws. I travel a lot and am currently stuck abroad due to the COVID-19 pandemic. I dont have a debit card and have no desire or ability to make ATM withdraws. This is a bizarre definition of inactive and I will likely see my account closed despite regular activity, meeting of the minimum balance requirements, and being a reliable customer since I was a student.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: PNC Bank in XXXX, North Carolina, has closed its doors and requiring locals to drive between 12 and 18 miles to go to an open branch. They are using Covid 19 as an excuse. Consequently, the elderly, the working poor and those without transportation are now precluded from conducting financial transactions. Exactly how can people deposit the stimulus checks when the bank is closed.
Company Response:
State: NC
Zip: 279XX
Submitted Via: Web
Date Sent: 2020-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A