Date Received: 2020-03-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I happen to find this on my credit report by accident. I received an email from a mortgage refinance company that said I needed to get a letter from PNC mortgage stating I was not currently in a foreclosure. I was very confused since I had NEVER been in a foreclosure status with PNC mortgage. I had to respond to this email on XX/XX/XXXX. Now, I am refinancing my home again to obtain a lower interest rate. This process started on XX/XX/XXXX. In the process, I investigated my credit report through XXXXXXXX. When I opened the link to my closed account with PNC mortgage, I saw what this woman from almost three years ago was talking about. PNC had reported late payment for me from XXXX to XXXX with " FS '' meaning " foreclosure started '' during the good part of a year. Then all of a sudden all of the payments after ( and before ) this period were all marked on time. I have made EVERY SINGLE PAYMENT on time in XXXX, XXXX and XXXX. However, my payments were due on the XXXX of the month and sometimes would not post until the XXXX or XXXX of the month. My statements would reflect a " late payment charge '' and then a credit for the " late payment charge ''. I am assuming this is because my ON TIME payment was not reflected in their system in real time and it generated a late payment charge which had to be " erased ''. However, this should NEVER have prompted a reporting of 30 days late and certainly not 60, 90, 120 or 150 days late! Of course, I disputed this charge, especially considering PNC had reported a FORECLOSURE which was adamantly FALSE. Everything was corrected except that my payments continue to reflect a late payment of 30, 60, 90, 120, and 150 DAYS LATE!! for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is absolutely FALSE as every payment made during this time period was on time. As I previously stated, I NEVER MADE LATE PAYMENTS ON MY MORTGAGE. Also, I requested THREE separate times that PNC mortgage send me my account information for XXXX, XXXX and XXXX to verify my payment status for that time period. All payments were made on their website and I no longer have access to any of that information. They told me that the information was archived and it would take at least 30 days to get that information to me. I received a letter yesterday with the payments during XXXX but no other time period. All payments were made on time as I said ( although initially this was marked as a foreclosure period before it was corrected ). The last phone call I had with PNC 's " customer service '' was a woman who told me I had to file a " formal '' dispute. I told her I had filed a dispute for both XXXX and XXXX through XXXX XXXX 's website. She told me that was not a " formal '' complaint although it did get them to remove the other negative information including the " foreclosure '' from my initial dispute. I can not give the credit bureaus any evidence of my paying them on time without the information that PNC holds in their " archives '' regarding my account. I do not even have access to that time period for my bank statements because it was over three years ago. I am deeply disturbed that I can not get more information from PNC and that PNC will not correct this information. It is costing me a higher interest rate due to my credit score being dinged for " severely delinquent accounts ''. I have worked very hard to maintain an excellent credit rating and I am appalled at the lack of action or empathy regarding how this detrimentally affects people lives and livelihood.
Company Response:
State: GA
Zip: 30004
Submitted Via: Web
Date Sent: 2020-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-11
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XXXX of last year I noticed 2 fraudulent charges in my account. One for {$270.00} and another for {$250.00}. The moment I realized I contacted PNC immediately and notified them. I just joined this bank and already I was experiencing fraud, topped with their terrible customer service experiences I decided to close out all of my accounts with them. Of course the closing of my accounts took forever with their employees refusing for over an hour and a half to let me speak with the necessary parties to do so. When I finally got someone they stated they had to wait until XXXX to close out the one remaining checking account that holds the dispute for the two fraudulent transactions mentioned earlier. I said that was fine since I know I didnt make those two transactions. Keep in mind since their service was so bad, coupled with I didnt even receive a fraud alert for such major transactions I switched back to my previous bank XXXXXXXX XXXX since XXXX of XXXX. XXXX XXXX has been my main bank since and no transactions at all have been coming out or deposited into PNC. Yet somehow with the account they refused to close because of the pending dispute ( still not sure why its taking them 3 months for transactions that werent mine ) they are charging fraudulent fees. This checking account is a student account thus there is no monthly fees, so I dont get what fees theyre charging for in active account bringing it to the negatives and then having they audacity to charge overdraft fees they created. Fast forward to XX/XX/XXXX. I opened the app to finally see if they closed out the account only to see they refused the dispute asking me to pay for transactions I didnt make. Yes an app had to tell me they never sent a letter or called!!! This bank is above ridiculous! Im not paying for transactions I didnt make, and fraudulent fees theyre charging me because they want to keep an unwanted account open. I did some research and found out Im not the only victim to this scam of theirs, there was a whole lawsuit in XXXX by many customers of the bank and if they dont rectify this situation I will be their XXXX lawsuits and I have proof of not even having access to my bank/debit card at the time of the fraudulent transactions. Im tired of calling just to be transferred around for 2 hours because no one wants to help me.
Company Response:
State: OH
Zip: 44120
Submitted Via: Web
Date Sent: 2020-03-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/20 XXXX Called pretending to be PNC bank asked account info - i did not give it because they asked for my billing address, but did know me name. i told them i wanted the number to call back bc i have dealt with recent fraud they gave me this ext. when i called back XXXX. said " before we get into the issue, what is yiour billing address. '' I called PNC for real and they said they would never ask for that info they would ask for name and then list recent charges. FRAUD. Last week had to cancel and reopen new account bc they did this to my mother.
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-10
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a new checking account with PNC Bank with a coupon. According to the terms, I can get {$300.00} bonus if I fulfill the requirements ( complete XXXX debit card transactions, receive direct deposit totaling XXXX, etc ). I completed the requirements before the deadline however I didn't receive the bonus. I called PNC customer service, although they acknowledge that I should have received it and promised me they would open a ticket to investigate the case, I never heard back from them nor did I receive the bonus. I called them yesterday, the customer agent then told me he couldn't find any case in the system and he couldn't help.
Company Response:
State: IL
Zip: 618XX
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Since I made the required payment to reinstate my loan with PNC Bank, I have contacted PNC Bank several times and requested a monthly statement in-order to make my monthly payments. Each time I was told the system is being updated and I should start receiving statements soon. I have never received any new statements since the reinstatement was completed and I was recently told thats because my loan was charged off. I have documentation dated XX/XX/XXXX from XXXX XXXX XXXX ( PNC 's Law firm ) stating by paying {$14000.00} by XX/XX/XXXX my loan would be reinstated. I made the payment on XX/XX/XXXX. Now I'm receiving threatening letters which state since I didn't make a payment in the amount of {$280000.00} by XX/XX/XXXX that I must cure this default by paying the full amount by XX/XX/XXXX. This does not make any sense.
Company Response:
State: PA
Zip: 19087
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On or about XX/XX/XXXX, PNC Bank ( PNC ) put a hold on important funds {$4200.00} saved from Social Security checks of my late mother. I was her Representative Payee until her death on XX/XX/XXXX, and the funds came from a checking account {$2200.00} and a savings account {$1900.00}, which amounts were combined into one checking account on XX/XX/XXXX. On XX/XX/XXXX PNC withdrew {$19.00} to pay for printing a book of checks. On XX/XX/XXXX I deposited {$10.00} in the account to keep it active. A pending status was placed on the account on XX/XX/XXXX. The hold prevented my giving the saved benefits after death to the legal representative of the estate, a court appointed Administrator. PNC prevented access to the funds thus interfering with plans of the ( primary ) executor designated in the Last Will & Testament to pay outstanding medical bills incurred during her care with the funds and forwarding any remaining amounts to the ( primary ) executor. PNC refused or failed to disburse the funds to the attorney for the estate in the fall of XXXX and/or to the Administrator in XX/XX/XXXX. PNC has not allowed the account to be closed because of the pending status. PNC has continued to control the funds denying the estate investment opportunities to earn interest at the prime rate therefrom.
Company Response:
State: OH
Zip: 435XX
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-09
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: My mother passed away in XXXX of XXXX. I went to the bank with my mother after my father passed away in XXXX of XXXX so that I could be added to her checking and savings account. I managed my mother 's finances for several of the years following my father 's death ( I wrote checks, made deposits etc. ) and was never advised that I was not on the account. After my mother 's passing and all of her bills were paid, there was XXXX left in her checking account. I attempted to close this account at two different branches. The first branch ( XXXX, OH ) told me I could not close the account because I was not on the account. I had my mother 's death certificate with me. I couple of months later I received a notice from the bank that the account was going to start to be hit with fees. I then went to the XXXX OH branch where they told me I had to make an appointment to close out this account. I went back a couple of days later and met with an associate and I explained the situation and I provided my mother 's death 's certificate. The associate told me she would contact me if there were any issue with closing the account. I heard nothing. After that date my mother 's statement came with DECD after her name but the account was still open ( with XXXX in it )! In XXXX a {$3.00} Check Images Statement Fee was assessed to the account and funds were transferred from somewhere??? to cover the fees. Additional fees were assessed in XXXX. Around XX/XX/XXXX I received a statement for XXXX where I saw all of these transactions. I then called their customer service line and was told that the transfer was coming from a Line of Credit which was actually an overdraft protection account. At that time the agent advised me that I was on the overdraft protection account but not on the checking account. How is that even possible???? The agent then told me, I had to send a letter to a different department ( Channel Services-Notice of Death Team ) to close the account. She also told me that there was a copy of my mother 's death certificate on file. I mailed this letter in XXXX of XXXX. I was also advised that the Line of Credit statement was being mailed to an address that I lived at over 7 years ago. I never received any contact or letter back from the bank after I sent the letter. In XXXX I received a late notice and a threatening collection letter from the bank for the overdraft account. I called the collection department and was advised flat out that they could not help me. He said he has no idea why anyone would tell me to send a letter because an account can only be closed at a branch. I refuse to make another trip the the branches as they show absolutely no interest in closing out accounts!! I have wasted hours of time to get this account with XXXX XXXX left in it closed. It's ridiculous. My final straw was this week when I Late payment was added to my credit report by the bank!! My credit score was well over 800 and now it is not. This must be corrected ASAP.
Company Response:
State: OH
Zip: 44067
Submitted Via: Web
Date Sent: 2020-03-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-09
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: PNC Bank, ( Ref # XXXX ) This reference number was provided by PNC in a letter dated XX/XX/XXXX. I have a performance checking account with PNC which I've had for many years now. I opened two virtual wallets accounts ( Opened I believe in XXXX ) for my Sons as well that were connected to my checking account. My eldest son was victim to fraud activity on XX/XX/XXXX. There was over {$3000.00} dollars in fraudulent charges to his account. Apparently, someone deposited a check and went to different ATM 's to withdraw cash and several other transactions. He contacted PNC to dispute the activity and was told that someone would contact him back. This has not happened and provisionally credit has not been given and furthermore PNC has refused to allow me and my sons the right to close the accounts. They have taken everything I have in my account to cover the fraud charges on my son 's account. They have also taken the money from my youngest son 's account as well. I am in the process of buying a home and I need this to be resolved asap. I believe that this is a violation of the Regulation for failure to offer the provisional credit also for failure to initiate the dispute upon his initial phone call. Additionally, this is a violation for failure to notify me that they were placing a hold upon my account. I have mortgage payments, car note, etc that will face NSF charges because they would not allow me to close the account until they recover the money that was taken via fraud. This is unfair and is causing me and my family stress. We would like to have this issue investigated asap. And someone from PNC corporate office to contact me to resolve ASAP
Company Response:
State: IL
Zip: 60435
Submitted Via: Web
Date Sent: 2020-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-09
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: This complaint is about an error made on behalf of PNC Bank with XXXX, which cost me {$1000.00} without any wrongdoing on my part. On XX/XX/2019, I made a credit card payment to XXXX for {$1000.00} from my PNC Bank Account using a debit card. The amount was recorded once by XXXX on XX/XX/2019 as expected ; however, on XX/XX/2019, when the payment posted to my PNC Bank account, it was recorded as two transactions, each for {$1000.00}. I disputed this transaction with PNC, and they issued me provisional credit on XX/XX/2019 for the extra {$1000.00} charged to my account. Then, on XX/XX/2019, XXXX adjusted the original payment I made on XX/XX/2019 and deducted {$1000.00} from my XXXX account. As a result, the initial payment was reversed once from XXXX, but only once from PNC despite being charged twice. Therefore, I was deducted an extra {$1000.00} for no reason. When I contacted PNC to ask them about this dispute, they told me that it was already resolved on their end and that I needed to contact XXXX about their reversal of my payment. So, after several months of back and forth between PNC and XXXX, I was formally told through a letter from XXXX that the reason they deducted {$1000.00} from my XXXX account is because they had paid it to PNC in order to reverse my transaction, however, PNC never put the {$1000.00} back into my PNC account. I have followed all of the appropriate steps to resolve this problem and went through all of the proper channels with PNC, but this issue has not been resolved. It has been ongoing for several months, and I am still at a loss for {$1000.00} for a problem that the banks made, not me. I require assistance from the consumer financial protection borough in resolving this matter. The ongoing dispute is between XXXX and PNC, I am just a middleman who is charged {$1000.00} without having it returned. This is theft.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2020-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage loan was transferred from XXXX XXXX to PNC mortgage as of XX/XX/2020. Prior to the transfer of my loan XXXX reviewed my escrow account and confirmed there was a shortage which caused my mortgage payment to increase. It was confirmed my homeowner 's insurance premium had significantly increased but Prior to the transfer of my mortgage I had my home owners insurance reevaluated and the premium significantly decreased as well. I reached out to PNC mortgage on XX/XX/2020 and was advised my escrow account would be reanalyzed and I would receive a new coupon book in the mail or I was able to go online and see my review and new mortgage payment amount. A week went by and I enrolled online and confirmed my payment still reflected the same amount. I made contact again with PNC mortgage and was advised no request had been completed and was also advised they didn't have access to my escrow analysis review previously done with XXXX XXXX and they needed this information in order to reanalyze my escrow account. I sent my homeowner 's insurance declaration page and the information on property taxes in order to have my escrow account reanalyzed. I was advised the requested documents would take a couple of days to view and the information to be updated. I called again and was advised the request for reanalyzing the account was never submitted again. The request was submitted. After another attempt I was advised I would have s supervisor call me with the updated information on my new mortgage payment and would be able to make my XXXX payment at that time. I received a call from a manager and was then advised they were not able process my request and would follow back up with me XX/XX/2020 I went ahead and made my XXXX payment at the higher amount to get it taken care of. I never heard back from the manager who confirmed she would be the one working on the matter and she would take care of it. I called PNC mortgage XX/XX/2020 and requested to speak to a manager and my request was denied. I was then told my request would be escalated when told I would reach out to the XXXX XXXX XXXX, the representative stated a manager would reach out to me within 24 hrs I have not been contacted by anyone at PNC mortgage as of today XX/XX/2020. Also as of today my escrow account has not been reanalyzed and my payment remains the same. I feel like PNC mortgage has taken advantage of ever aspect possible in this matter from being promised certain things and not following through with them. The lack of knowledge of Representatives I had to speak to is an understatement. Each and every time I called I was told something different and I always did and sent everything I was being asked for.or provided everything I was asked to provide.
Company Response:
State: TX
Zip: 76131
Submitted Via: Web
Date Sent: 2020-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A