Date Received: 2023-08-14
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: XXXX. A relationship was established with merchant XXXX with a reoccurring monthly billing of {$2.00}. The only authorized email for use with any and all of Podomatic services is the identical email used for PNC financial services. Notwithstanding the same, it came to my attention on XX/XX/2023 that XXXX has been sending credit card, invoice, and other information to the XXXX address XXXX which address has been flagged for fraudulent activity and is not authorized for use neither with PNC nor XXXX. XXXX. PNC employees/workers/contractors, etc., what have you, engaged in criminal activity have been sharing such information, apparently, to advance fraud and identity theft via the capture of credit card and account information. It was my intent to cancel Podomatic services prior to this recent billing on XX/XX/2023, which I intended to do upon receipt of the XXXX ( XXXX ) day notice of billing in advance by XXXX. I was precluded from doing so, as it appears that PNC employees/workers/contractors, etc. colluded with XXXX to send the billing notice and actual billing/receipt info to the expressly forbidden XXXX email XXXX.
Company Response:
State: NY
Zip: 10457
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We are customers of PNC Bank. PNC Bank obtained our mortage when they bought National City Bank in XXXX. Our property/mortgage is the center of a Michigan XXXX Police investigation involving millions of dollars in real estate fraud and mortgage fraud. PNC became directly involved in the scheme when the individual under investigation contacted PNC and was able to obtain our personal and loan information from PNC in XXXX XXXX. We believe the fraudster was able to acquire the local taxing authorities ID number and used this number to obtain access to our loan information. We had been in contact with PNC numerous times for a year prior to this breach of our personal/loan information informing PNC of XXXX ongoing real estate/mortgage fraud investigation involving our property. In XX/XX/XXXX based on the false information provided by the fraudster at the center of the XXXX XXXX PNC initiated an escrow on our mortage more than doubling our monthyly payment. PNC did not reach out to us at anytime prior to altering our mortgage with the escrow account. XX/XX/XXXX, following months of XXXX PNC reversed our escrow and returned our monthly payment to its original amount. In XX/XX/XXXX, we obtained a court ruling that prohibited the foreclosure of taxes on our property due to the taxes being fraudulently assessed. Our attorney had been in contact with PNC prior to this XXXX proceeding and following. PNC was provided the Court Order in XX/XX/XXXX. In XX/XX/XXXX PNC filed a civil law suit against us requesting that we reform the legal description in our mortgage due to a mutual mistake. The incorrect legal description in our mortgage is not due to a mutual mistake. It is the result of the real estate/mortgage fraud scheme involving our property and under investigation by the Michigan XXXX Police XXXX No different than the taxing authority being prevented from foreclosing in XX/XX/XXXX due to our erroneous legal description, PNC can not foreclose our mortgage because of the incorrect legal description. In the Civil litigation we have attempted to obtain the information regarding the contact betweeen PNC and the fraudster. PNC is refusing to produce this information causing us increased litigation costs and delays. In XX/XX/XXXX, PNC was served with a search warrant by the Michigan XXXX Police. They have failed to produce the information requested. Further delaying the criminal investigation. PNC is reporting monthly to credit bureaus the deliquency on the invalid mortgage on our property. It has destroyed our credit score. PNC prides itself on preventing mortgage fraud but when caught in a mortgage fraud scheme instead of assisting the victims ( their client ) and the investigators they are chosing to obstruct the criminal investigation and pursuing civil litigation instead against the victims of the mortgage fraud scheme - their clients.
Company Response:
State: MI
Zip: 49009
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XX/XX/XXXX I opened a money market account for my uncle. I deposited {$50000.00} in that account. It was intended to be long-term I had told the personal banker XXXX XXXX the situation that my uncle was in the hospital, and he wanted me to open a new account for him, she instructed me to take the forms to the hospital and get his signature. That is what I did. Compass bank miss placed {$50000.00} that was in a sole money market account for XXXX XXXX. ( Opened XX/XX/XXXX under the suggestion of XXXX XXXX XXXX ) Documents are enclosed with this statement along with proof that the money was returned to the originator XXXX XXXX, twice, and issued a cashier 's check. XX/XX/XXXX, Return item charge back of {$51000.00}. XX/XX/XXXX, forced paid debit of {$50000.00}. XX/XX/XXXX, Compass bank ( PNC ) issued XXXX a cashier 's check amount of {$46000.00}. ( It is noted in the police report that compass bank didnt even have a copy of the cashier 's check they obtained one requesting it from XXXX XXXX . ) The check was negotiated by XXXX XXXX at XXXX XXXX. This is {$50000.00} being returned three times. XXXX XXXX alleged that I stole the money. Police report number XXXX I had no idea of this police report until XX/XX/XXXX. At that time I was arrested and thats when I became aware of all this and was exposed to all the lies. Compass bank demonstrated extreme malpractice through all of their inconsistencies and untrue statements on this police report. They neglect to follow through XXXX XXXX the fraud department, XXXX XXXX the main banker. It is mentioned throughout the police report my involvement XX/XX/XXXX, this was way before my involvement. Apparently, my uncle had done some banking of his own with compass bank, however compass bank continues to name me as some kind of a perpetrator. On police statement, XXXX XXXX made a legal statement that she walked out to my car and obtained a signature. ( This did not happen. ) Also, on the police report were statements from XXXX XXXX XXXX division it was never followed through to determined what the outcome was. There are so many inconsistencies on the police report from compass bank, and family members. These are just some of the inconsistencies. I have the full report, I am willing to answer any and all concerns and questions. The statements are simply faults. I dont know where they would have come from as compass Bank never contacted me to clear this up. They simply took the information, XXXX XXXX was making up and apparently ran with it, making these false statements on a police report. At present time, I have a defamation lawsuit against XXXX XXXX, which is moving to my favor. Compass bank attorneys have found a loophole, and it is being dismissed for the second time without prejudice, they wanted it to be with prejudice judge is granting without. I dont have money for a good attorney I can not go up against the bank 's attorneys. The OCC has recommended I make a complaint with your agency. What I would like to see happen is compass Bank complete their responsibility and pay me back the {$50000.00} that I am being responsible to the court of Arizona. I am also requesting for a settlement, I have continuing suffering due to this mistake on behalf of compass bank, please ask me any and all questions to get a favorable resolve. Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
Company Response:
State: AZ
Zip: 85308
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: In XX/XX/2023, I used a PNC credit card convenience check that had a promo rate of 0 % interest until XX/XX/XXXX, XXXX amount was {$980.00} and fee was 4 %. I used the card for other monthly purchases. To avoid interest charges, I made payments such that all of the monthly purchases were paid off and a portion of the convenience check was paid. The payment I made significantly exceeded the minimum payment and covered all of the monthly purchases. PNC used the payment to firstly pay the convenience check amount and secondly the monthly purchases which resulted in me being charged interest on the purchases. I called and spoke with a customer representative who seemed to understand but told me he would have a manager call me. When I spoke with the manager, she explained that the payment was applied first to the lowest interest rate and refused to see my perspective or address my concerns. The convenience check states that any amounts you pay in excess of your minimum payment due will be allocated to balances with higher APRs before balances with lower APRs. I want the convenience check fee to be returned because I was prevented from using the promo rate and period. I want the interest charges to be refunded because the payments were not allocated as described on the terms of the convenience check. I think that the customer service staff and managers needs training and the right tools to resolve issues according to their own stated policies. If PNC is going to apply other rules than the ones stated on the convenience check, their explanations need to make this very clear.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I had a vendor rob me of my account for XXXX months, taking out XXXX x 's the money each time I went in there. I did not realize this until my bank notified me. I began an investigation with my bank. They did absolutely nothing for me. So then I had to file another investigation with the bank. I spoke to customer service reps for the past 8 months, XXXX directors of the bank and to no avail, they did nothing. I decided to close my account out by going to the bank in person. The teller closed the account in the amount of {$1100.00}. The bank is now sending me letters that the account is closed as of XX/XX/XXXX. I got a letter today stating I owed them over {$2000.00}. I am unaware of where the additional {$800.00} is coming from. I have talked and talked to the bank with no resolution. They not only dismissed my {$800.00} which was stolen from my account but now they are charging me and additional {$800.00}. If I close the account out and got a check for {$1100.00}, why is the bank now charging me over {$2000.00}? Please help me.
Company Response:
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2023, I opened a new checking account and savings account at PNC Bank. On XX/XX/2023, I initiated an online external transfer using PNC Online Banking to transfer {$1100.00} into the new checking account from my previous XXXX XXXX Checking account. The website showed that the account was set up and ready to go, and that I needed to add funds to the account. On XX/XX/2023, the {$1100.00} was withdrawn from/cleared my XXXX Checking Account. On XX/XX/2023, the remaining funds were withdrawn in-person at a XXXX XXXX location , and the accounts were closed. On XX/XX/2023, I was notified via email that the original {$1100.00} transfer to PNC had failed due to my new checking account being put on hold pending identification verification. I was informed by PNC customer service reps that external transfers could not be completed until the ID verification took place, which was not stated anywhere on the website. The representatives informed me the funds from the failed transfer were going to be returned to XXXX XXXX and I needed to work with XXXX Bank to resolve the issue. On XX/XX/2023, XXXX XXXX confirmed the funds tried to return to the closed Chase account, but the bank did not accept this as the account was closed and automatically sent the funds back to PNC Bank on XX/XX/2023. XXXX XXXX informed me I would have to work directly with PNC to get this resolved. On XX/XX/2023, I was assigned a case manager with PNC Bank and informed they would be doing an investigation that would take 10-15 business days to complete. I received no further updates. On XX/XX/XXXX, I called the PNC case manager who had not gotten back to me, and he informed me the investigation was not started because it was determined it was XXXX XXXX XXXX responsibility to figure this out. On XX/XX/XXXX, I spoke again with XXXX- who again stated this was out of their hands and no additional activity had been seen since they sent the money back to PNC on XX/XX/XXXX. They provided the trace ID for that. On XX/XX/XXXX, I got assigned a new case manager at PNC Bank and provided the trace ID for them to look into it. Sounded like it wasn't going to go anywhere, they were alluding that it was XXXX 's responsibility, again, but that they would look into it. As of XX/XX/XXXX, I have not heard back and have been unable to get ahold of the case manager. It's now been over one month, and neither bank can find the money and it has never shown up in my account.
Company Response:
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: There are numerous of charges that have been assessed to my checking account that I did not that I did not authorize I have contacted a bank and I have to have let them know about these charges and as of today that has not been any resolution There have been a few shots There a few items that have been returned back to me saying that they found no error One of them is with XXXX so the charges equal up to almost {$1000.00} where someone use my card or use my information I don't know how they did it and went in back to back on one day and charged up {$1000.00} almost {$1000.00} worth of merchandise at the same store It was not me I would never have went into XXXX and charged me before {$400.00} charge of {$150000.00} I wouldn't have never done that at the same store in one dayI was in XXXX shopping 4 days prior to these charges taking place and and purchased {$1200.00} worth of items because I didn't dispute all the items on my credit on my statement they are saying that they refuse to refund me back the items that would were were placed on my account that were fraudulent and not me there are other charges that are to my account that I am still waiting for resolution for one charge is for {$44000.00} which was supposed to be one transaction well this was not one transaction this was two transactions and they should have been reported separatelyOne for {$33000.00} XXXX There's {$170.00} that is missing that is unaccounted for I would like that money backI would just like for my bank to be transparent and their reviews I've asked for reports of information that was finding and I still have not received those reports as of todayThat was that would put me as the person who has made these charges There's a charge for {$180.00} from XXXX This is not this is not my charge It isn't even a part of my XXXX account and I've asked for that money back alsoI have no access to my online account nor am I receiving statements through emailmonthly because I don't have access to my online account the statements that they do send I'm unable to view because I can not get on my online account which I've explained that to them therefore I am unable to check my statements regularly to see if there's any kind of activity going on that I am unaware of I think that is unfair I should be able to get access to my statements monthly so that I can monitor my account and be able to stay on top of it also I have been assessed fees when I'm using the bank branch ATM machines I want that money return back to my account
Company Response:
State: GA
Zip: 398XX
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: To Whom It May Concern : This is the second complaint that I am filing against PNC Bank for either applying Bait and Switch tactics or pure negligence at the point of loan origination in overseeing a cash out refinance application and failing to give my father and me a clear reason of denial of a conventional loan. The original complaint was submitted on XX/XX/XXXX and the complaint number ID is XXXX. The response to this complaint was from XXXX XXXX, PNCs Bank Officer, Executive Client Relations. She failed to fully answer my request and she also claimed there was no bank error or bait and switch tactics. She only addressed XXXX XXXX XXXX XXXX for a cash out refinance and did not address the guidelines for a conventional loan. We were denied both. I have been a customer of PNC Bank since XXXX and demand an answer why XXXX ) A loan that PNC Bank could not service went to underwriting in the first place for a cash out refinance and XXXX ) Why my father and I were ALSO denied a conventional loan. On XX/XX/XXXX, I spoke to PNCs Senior Mortgage Loan Officer, XXXX XXXX XXXX XXXX # XXXX, in the Home Lending Center. I informed him that I was on title and NOT the mortgage for a rental property at XXXX XXXX XXXX in XXXX, NC, and my partner was allowing me to buy her out at an agreed price to take over ownership of the property. I only had 50 days to complete the transaction and my lawyer had me transmit the necessary document to XXXX XXXX to make sure this happen within the 50 day time frame ( see attached Offer to Purchase and Contract Attachment XXXX and email correspondence submitted to XXXX XXXX on XX/XX/XXXX Attachment XXXX ). XXXX XXXX was aware that it was a rental property, and that I was not living in the property, but he advised me to do a cash out refinance anyway and not pursue a conventional loan. In his email to me on XX/XX/XXXX ( see attached file Attachment XXXX ), he wrote that I did not need the purchase and contract agreement that I sent him. His written response was, If you are on title this is a refinance so no need of a purchase agreement. In the previous complaint, all the documentation was transmitted to XXXX XXXX to show that we followed the necessary steps that XXXX XXXX advised my father and me to do. When the loan application went to underwriting, however, XXXX XXXX apparently did not do his due diligence before submitting our loan application for the cash out refinance. According to XXXX XXXX, in order to be approved for a cash out refinance of a rental property, my father and I had be living in the property for the most recent XXXXmonth period. THIS WAS THE FIRST BANK ERROR! Our loan application including XXXX credit checks and an appraisal should not have been completed if the bank could not service this type of loan with no explanation why. We were then advised by XXXX XXXX to move forward and purchase the property and take out a conventional loan, so in the interest of time we then applied for a conventional loan. We met all the financial requirements to purchase the property and were prepared to give a XXXX percent down payment when the Senior Loan Officer, XXXX XXXX, informed XXXX after being preapproved that we would not qualify for a conventional loan from PNC Bank either. He could not give a reason why, because he didnt understand the reason himself. XXXX XXXX then advised me to pursue an unconventional loan and was going to give me some names of companies to contact, because he said no conventional lender would be able to approve a loan according to the XXXX XXXX XXXXXXXX XXXX XXXX He never gave me names of companies to contact. I then consulted with XXXX and XXXX XXXX loan representatives, because I felt PNC Bank dropped the ball on my loan applications. Both banks believe PNC Bank mishandled the loan application, which ultimately prevented me from keeping my rental property. After further research it was discovered that XXXX XXXX XXXX XXXX only require living in an investment property for XXXX year if the borrower could not make a 25 % down payment to purchase the property and that was not the case for my father and me. THIS LOAN PROCESS WAS MISHANDLED AND PNC BANK IS RESPONSIBLE FOR THIS BANK ERROR! Please see my last XXXX email communication to XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX Attachments XXXX and XXXX. There was no response from XXXX XXXX to either email. If PNC claims there was no indication of Bait and Switch tactics, then it is clearly a bank error at the point of loan origination. PNC Banks lack of follow through, however, appears to deem the bank culpable of one of these circumstances -- - either way it is a negligent act on the behalf of PNC Bank. PNC Banks negligence lead to the loss of my rental property. This loss has affected my livelihood with the loss of rental income and future financial appreciation for my retirement years. The loan officer made a very serious mistake at the point of origination for a cash out refinance and he could not give a clear explanation for the denial of a conventional loan. PNCs Client Relations Representative clearly skirted the issue in response to my last complaint to the Consumer Financial Protection Bureau. Due to the negligent actions of the PNC Bank representatives, I am demanding {$220000.00} in damages. If damages are not received and I need to pursue legal action, this nominal amount will be much higher. Representatives at the Consumer Financial Protection Bureau advised me to file another complaint with their department and contact my states Attorney Generals office and Bank Regulators as well as take legal action. I also plan to file a complaint with the Small Business Administration and the U.S Department of Treasury. Finally, if damages are not granted, I plan to have an attorney investigate PNC Banks possible violation of the Consumer Fraud and Deceptive Business Practices Act. Sincerely, XXXX XXXX
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: XXXX thought Pncbank was down finally realizing on XX/XX/XXXX that it said my account was revoked. Called and they stated bc I had logged in areas not normal for me they had revoked my online banking. I had been on vacation XXXX and also had given travel notice. Finally got account reinstated with out having to recreate a new one. Then find out all my bill pay is revoked. Call again they were rude says it will be at least XXXX businesses days which means XX/XX/XXXX until I can use again making bills late. They refuse to transfer or give my info on policy. No contact was made just revoked my account. Very poor business.
Company Response:
State: PA
Zip: 15239
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, two seperate withdraws in the amount of {$450.00} and {$1400.00} were taken out of my account due to someone, who was not authorized as an account holder or such, without my permission. Therefore, I lost a total of {$1900.00} total, causing me to overdraft and become financially stripped. I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the past year, along with having to take my employer to court in order to protect my job, so this has been a major burden on me to say the very least. I understand that things like this are unavoidable at times and do happen ; however, I would like for PNC to make this right for me ( their client/customer ) as this was no fault of my own whatsoever.
Company Response:
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A