Date Received: 2020-02-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I lost my job in XX/XX/2018, due to no fault of my own. I was Also experiencing health problems. I filed a forbearance but my home was still turned over for foreclosure. I was constantly getting different info from PNC even up to the time I received notice of foreclosure. I was offered an unfair modification plan that will not benefit me or my situation. Adding on terms to my existing loan is not much help. There are other modification plans that would be more beneficial. There is no hardship financial homeowner assistance programs Available. The hardest hit fund was depleted. I need honest help saving my home.
Company Response:
State: SC
Zip: 29406
Submitted Via: Web
Date Sent: 2020-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-27
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have been trying since mid last year to get a {$150.00} bonus from PNC that is rightfully owed to me. They had a promotion going on that they almost always run, for the Cash Rewards Visa Signature Credit Card that is considered a welcome bonus for new customers in return for spending a certain amount after 3 months, which was being advertised during the time I signed up. The last agent I spoke with from Customer Service told me there is no record of them ever having that promotion during that time and I would need to show proof. That is absolutely ridiculous. First of all, what does she mean there is no record?? The promotion was going on at that time, I can assure you. I saw the advertisement. That's what sparked my interest in getting the card in the first place. Do they not have record of their own promotions?? Second, who has proof of something like that unless they thought to take a screenshot?? If I knew that PNC was going to XXXX me over and not give me my bonus as promised, I would have definitely screenshotted it. But attached are reviews of what other customers were saying PNC had going on around the same time I opened my account with them. Please note that if PNC tries to contact me their attempt will be disregarded. I have already spent a total of THREE hours on the phone with them several times over this matter. They need to just put the credit on my account. Period!!!
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2020-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I expected my MIP/PMI insurance to be dropped automatically once my principle balance was below 80 % of my original appraised value. However, I noticed this did not happen, so I called PNC in XX/XX/2020 to inquire about it. The representative told me that it was based on the original amortization table and the date it reached 80 %, if I had made additional principle payments they are not taken into consideration unless I call and request the insurance be discontinued. He looked at my loan to original appraisal value and it was at 67 % and said that he would take care of my request. In XXXX, I logged into my account and saw the payment had again been made. I called and the only way to drop the insurance is for my to go to the trouble and expense of having yet another appraisal less than 5 years from the original appraisal to prove my home value is not only the same but has risen 24 %. My monthly payment is auto-drafted from my checking account and has never been late. I have also paid an additional XXXX in principle. I have an incredible credit history, and this is just taking money out the pocket of a hardworking American. Additionally, the principle payments I have made have been misapplied as payments to interest every time, even though I followed the instructions given by PNC to the letter. They do not have an option to make a principle only payment online, but a check has to be mailed in with apply to principle on the memo line. It is then my responsibility to login and see that the payment was correctly applied.
Company Response:
State: GA
Zip: 31410
Submitted Via: Web
Date Sent: 2020-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-26
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: This is a long and confusing journey but it's started about this time LAST year so XX/XX/2019. Sadly I don't have all of the paperwork from that time or this number would probably be doubled! All in all, in less than a year, it has COST me {$1000.00} excluding some fees with utility companies that I wasn't able to easily locate. The problem begins with my account somehow switching from a free checking account to performance, which up until this all started I was completely unaware of because there was always enough money in the account that I wasn't charged simply for having the account. So for having insufficient funds ( and to make a whole 0.4 % interest on funds ) I get to pay {$15.00} per month and the very first overdraw last year when this first became an issue, was due to PNC taking their precious {$15.00} before something else came out. I feel that I should mention here in the beginning that I am the primary account manager for both myself and my mother 's accounts with PNC. This includes two checking accounts, savings, two revolving credit accounts, mortgage and a credit card. That also means that linked to my checking account, which is the primary spend account, is a checking and savings that combined never have less than {$4500.00} and typically would be over {$6000.00}. They ARE set up as overdraft protection for my account, not that it seems to matter or do any good. There have been times that, albeit making a bad situation worse, it has been my own negligence that has caused the overdraft and would warrant the fees valid. However, that is when the revolving credit should prevent an overdraft and that's how I found out that somehow, maybe in my sleep I turned that protection off. Now why in the fluke ( I'm gon na censor myself a lot through this ) would I ever do that?! Why would anyone ever do that? Come to find a letter that I never saw informing me that my overdraft account has been discontinued and can be reinstated after a hold on my account was lifted. So no it never was that I took it off then never turned it back on. This resulted in almost {$500.00} in fees accrued over one weekend during the slow season in my business.This time is typically XXXX through XXXX with some relief around the holidays and during this time can be months where my base expenses are more than my earnings. I know this and know that things can get tight which is why I have and am so thankful for the overdraft protection. PNC will always put themselves before anything or anyone else in regards to things being paid, and they have a tendency to decline the utilities or cell phones and cable. This not only is infuriating because it's the billers that charge their own fees for things like returned checks and late payments, but also horrifying because the most recent victim was my gas company which almost lead to my gas being shut off in the dead of winter! Back in XX/XX/XXXX, which is about as far back as the paperwork I have been collecting goes, this happened with my water bill. Everything is on autopay from the mortgage and car payment to utilities to credit cards to my gym membership. I know how forgetful and scatterbrained I can be so it's the only way to ensure the bills will be paid on time. So when they declined the water bill from coming out I was charged a {$36.00} overdraft fee and then a following {$36.00} returned item fee. Being that it is the water which we NEED it tried to collect the money 3 times which led to two {$36.00} overdraft fees and three {$36.00} returned item fees for the same transaction essentially! On the water companies end of things it also cost me three {$20.00} returned check fees, and then a {$12.00} late payment fee because, I was unaware that all the bullspit the previous month had knocked it out of autopay. This has now also happened for the gas company only I can't enroll back in autopay for 6 months because, being this is the time of year with most gas usage, unpaid month and fees and late fees led to an {$840.00} gas bill that I had to make a payment plan for to be paid on a budget over the next 22 months. I also now have a mark on my credit from the returned check fee going into collections which is all thanks to PNC. Another majorly crooked thing they did was in XXXX last year when I was charged almost {$500.00} over a weekend, they made sure to try and take a payment out for the revolving credit that IS AN ACCOUNT WITH THEM, and charged an overdrawn fee AND returned item fee on their own bogus charge! Despite there being glaringly obvious problems going on and me attempting to straighten things out or prevent further hemorrhaging, overdrafts continue to happen, the account continues to be some feed performance account and I continue to wonder how many other people go through this and maybe don't even know and just pay it blindly. This time it is not just the slow season for me as for the first time in my adult life I am unemployed, and dealing with family emergencies, which making it very difficult to focus on getting a job quickly. So to add a huge load of stress to the most stressful time I think I've ever encountered, I have my XXXX bank charging me a minimum of {$150.00} in fees every month that I have no income to pay for and that's cause other much more important items to go into default! Also, I again point out that this very thing could be happening to elderly or other young adults or surely the impoverished that PNC is making a mint on! I do honestly believe someone would be wise to look into grounds for a class-action lawsuit against PNC for malicious business practices. As I said earlier I only have paperwork dating back to halloween of last year readily available and that short period of time they still charged me over {$1000.00} to do my banking with them. Also there are some papers that if you work like a detective to piece it together show that I was fumbling on my end to transfer money from other accounts to prevent fees and they STILL did the transactions in an order that charged me fees. Below I will list the fees and charges as well as I can : XX/XX/XXXX {$72.00} Overdrawn for XXXX XXXX TWICE ( {$530.00} deposited XX/XX/XXXX ) XX/XX/XXXX {$72.00} Overdrawn for both XXXX and XXXX XXXX XX/XX/XXXX {$36.00} Returned item fee on PNC Credit account XX/XX/XXXX {$72.00} Overdrawn and returned item fee for XXXX XXXX XX/XX/XXXX {$7.00} Continuous overdrawn XX/XX/XXXX {$28.00} Continuous overdrawn for 4 days XX/XX/XXXX {$7.00} Continuous overdrawn XX/XX/XXXX{$36.00} Overdrawn for XXXX XX/XX/XXXX {$7.00} Continuous overdrawn fee XX/XX/XXXX Checking statement ( XX/XX/XXXX-XX/XX/XXXX ) shows charges and fees THIS PERIOD are {$290.00} total and added to the YTD {$840.00} makes {$1100.00} paid that far in XX/XX/XXXX! XX/XX/XXXX Letter stating Overdraft protection has been discontinued ( received XX/XX/XXXX ) XX/XX/XXXX {$30.00} Returned check fee with XXXX XX/XX/XXXX {$15.00} Calculated service charge XX/XX/XXXX {$36.00} Overdrawn for XXXX XX/XX/XXXX {$15.00} Calculated service charge XX/XX/XXXX {$36.00} Overdrawn for XXXX XXXX ( however {$250.00} transferred XX/XX/XXXX ) Currently XX/XX/XXXX to today : {$15.00} Service fee {$7.00} Continuous overdrawn fee $ XXXXX4 Overdrawn fees $ XXXXX2 Returned item fee for XXXX XXXX and XXXX All in all if you call it a year that's {$1600.00} to bank with PNC and I know I'm leaving out fees from the companies they didn't pay and probably some other miscellaneous charges. I think that would make an entertaining commercial for them, " Bank with PNC, it may cost less than your car insurance if you're a terrible driver! ''
Company Response:
State: PA
Zip: 15210
Submitted Via: Web
Date Sent: 2020-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-26
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Per my previous complaint against the bank I spoke with PNC bank corporate and was told that they were crediting the account and that I would have a balance of negative {$140.00} that I could bring back positive by making deposits when my social security hits which is on the first and third of every month. The representative told me that she would put a note on the account not to close the account since at the time of the initial complaint the account was over drafted for a while. PNC did not honor the terms previously discussed and agreed upon they instead closed the account and increased the amount from {$140.00} dollars to more than {$210.00} dollars so they just completed lied about the resolution terms and retracted the agreement previouslt agreed upon.
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2020-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-25
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I received a message from Ms. XXXX stating that I was going to be charged with Theft by deception as well as fraud due to the repossession of a vehicle from approximately 10 years ago. She stated my driver 's license number, my birth date, and gave information on my current vehicle and let me know that because of this I would not be able to renew my registration and my license would be suspended. When I called back I was told they will be serving me papers for court and that this is the last time they will try to contact me even though I have never heard from them before and they refused to send a validation notice.
Company Response:
State: TX
Zip: 77354
Submitted Via: Web
Date Sent: 2020-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-26
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I have a PNC Cash Rewards and I want to pay my bill via their online banking. One of the Alert options that I chose was " Payment Due '' thinking that this option is one where I get an email alert about making payment on an upcoming bill. However, I never received any alert on my upcoming bills. When I called them about it on XX/XX/2020, I was told that this Pa ) yment Due alert is an alert that I have missed a payment and that PNC does not have any alert of an upcoming bill! THIS IS INANE -- - WHAT IS THE POINT OF ALERTING A CUSTOMER IF THE PAYMENT WAS ALREADY DUE AND HE HAS MISSED THE PAYMENT AND PNC HAS SLAPPED A HEFTY FEE? I did not want a paper bill because this is not environment-friendly but because they can't alert me of an upcoming payment, I requested to be sent a paper bill so I am reminded that a bill is upcoming. This is an unforrtunate consequence of their nonsensical alert system. XXXX XXXX XXXX has an alert for an upcoming payment so I don't see why PNC can not do the same. IT SHOULD BE A REQUIREMENT FOR BANKS THAT IF THE CUSTOMER OPTS FOR ONLINE BANKING, THEN THEY SHOULD ALERT THE CUSTOMER OF AN UPCOMIING PAYMENT, NOT A ( STUPID ) ALERT THAT THEY WERE LATE AND THAT THEY NEED TO MAKE A PAYMENT AND PAY T HEIR HEFTY FEES.. .
Company Response:
State: VA
Zip: 22042
Submitted Via: Web
Date Sent: 2020-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-24
Issue: Fraud or scam
Subissue:
Consumer Complaint: I sold my babys crib on XX/XX/2020. The buyer transferred {$110.00} to my phone number using XXXX XXXX XXXX XXXX. I received an sms to accept the amount. As my phone number wasnt registered on XXXX I was told to wait for 3 working days for the amount to appear in my account. The buyer says that ot has been debited from their account but I havent received it. I contacted my bank PNC about the same on XX/XX/2020 and they say its an issue with senders bank ( XXXX ). The sender says that they contacted their bank and the issue is with my bank.XXXX says as I have XXXX with my bank they can not help me. I have attached senders bank statement and mine too
Company Response:
State: OR
Zip: 97006
Submitted Via: Web
Date Sent: 2020-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have many issues with PNC Mortgage over the last 2 years. I have never been late and always make extra/principle payments. This past Tuesday I finally had it! They will apply my principle only payments as regular payments. I have sent in by mail indicating payment for principle only or escrow only! They still apply as regular payment breaking it down to the next month with interest added and escrow monthly amount. I can not pay online as I am charged a {$7.00} service fee. I always pay extra every 2 weeks so that adds up of do that over a long period of time. They suggested I do bill pay at bank. I do that and than call each time after posted goes to principle only. Now a few times I have to call back a 2nd or 3rd time after initial request that it has not done yet. This results in unnecessary callbacks in same issue for customer. To make matters worse hold time is awful I have waited 20 mins or longer to get someone on phone. Sometimes I get disconnected during call and I call back and put on hold for same duration. I had a XXXX hang up on me in XXXX as I was trying to reset up ACH plan with new amt as my PITI went up. I was frustrated on how to navigate website and could not understand what she was saying. I asked her to hold for a minute to make sure I can get on successfully. I said it 2 times. Because I didnt want to call back and put on hold for a long time over same issue. She said have a nice day and hung. Which I had to call back again. On Tuesday XX/XX/XXXX. I called 3 times over 20 min wait. To discuss my payment of {$500.00} was towards principle only. Spoke with a XXXX id # XXXX. She was suppose to transfer money to principle only. Now today Saturday XX/XX/XXXX. Nothing has been done. So will be calling back today to once again ask for payment to go to principle. This has cause a lot of wasted time and unnecessary holds. I asked for a supervisor with XXXX on Tues. and put me on hold and came back and said not available I asked for them to call me back. No call was followed up with me. The customer service is terrible. The website is best for those with a PNC bank accts. I have NEVER been late with payments ever with PNC. I am trying to pay this mortgage off as soon as possible to not have to go through with this every 2 weeks. This was not my choice to have mortgage with PNC. My loan was serviced over from XXXX XXXX XXXX. 2-3 years ago. With XXXX I could pay principle payments online with no fees. And see an amortization schedule anytime. I rarely had to call customer service for any issues. I have had mortgage for over 12 years and never missed any payments. This has cause me a lot of wasted time, frustration and treated terribly as a customer. I hope no one has to go through this and get the respect they need.
Company Response:
State: SD
Zip: 57201
Submitted Via: Web
Date Sent: 2020-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-21
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I tried to make a balance transfer from XXXX XXXX XXXX to pnc there was promotion and i did it over internet. After over a week i see that my balance is still the same at the XXXX XXXX XXXX bank and pnc balance is already higher because of the transfer. So i called the PNC bank and asked them how come money is not at the XXXX XXXX XXXX yet, I was told that it can take up to 10 business days and check is still on the way. After 10 business days my XXXX XXXX XXXX is almost due and I don't want to pay interest on it so i call again PNC bank they looked into it again, and told me that they sent to the wrong address. I was told that they will put a stop on the check and send new check to correct address, now is 9 business days from posting to my account but i called more than 10 business days to record the problem with the bank, PNC bank holding balance of money that i never received, XXXX XXXX XXXX i already paid off because PNC bank couldn't make a payment in time. Now is over 1 month later they charged me fee of 3 % I never received the money I just checked with XXXX XXXX XXXX, I also called the PNC bank I was told that check was processed already, I have no money in my account and on statement at PNC bank according to them, transfer was made. Now they try to say that it can take up to 26 business days, I was told if i try to close the account I still need to pay fee of 3 %, Which i never received at the first place. what is the best solution. I just want my money back and never have to have account with PNC bank.
Company Response:
State: PA
Zip: 18704
Submitted Via: Web
Date Sent: 2020-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A