Date Received: 2020-02-09
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I attempted to open an account with PNC bank to take advantage of their compensation if you get direct deposit. PNC bank opened multiple accounts in my name then sent me notices saying they were all closed. In addition, they sent me a card but I have been unable to access the account online and customer service is of no assistance. I am unsure how or why they would have done this in the first place. My concern is that they are actually using these fake accounts in my name to borrow money under my social security number. Im asking for an investigation into whether PNC is opening extra fake accounts in customers names then sending them notices that they are closed. Thank you
Company Response:
State: OR
Zip: 97267
Submitted Via: Web
Date Sent: 2020-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-09
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have a PNC Everyday Rewards card that I earn cashback on. My cashback has started to " expire '' and I am now losing that cashback. In order to cash-out, the minimum is 100 % which is difficult if your cashback is expiring. There's no easy place or location to see this rule nor is it transparent to me as the consumer as to what is the expiration period and how long it goes back. As an example, my most recent history statement, I started with {$85.00} going into the month. I earned {$10.00} but my new balance is only {$88.00}! I have tried contacting PNC to request an early payout but they said there was nothing they could do. Thank you.
Company Response:
State: OH
Zip: 44281
Submitted Via: Web
Date Sent: 2020-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-08
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: The complaint is about PNC Bank and the delays with underwriting and Closing date of a new mortgage loan with PNC Bank, reference. The mortgage was initiated in XX/XX/XXXX and pre-approved in XX/XX/XXXX. As of this date, financing on the new loan is not complete. Rate-Lock Period Start Date : XX/XX/XXXX Rate-Lock Period Expiration Date : XX/XX/XXXX Interest Rate : 4.375 % Loan Points : 0.675 % Amount of Loan* {$370000.00} Term of Loan* 360 Loan Type : Conventional Fixed The PNC Bank ( NMLS # XXXX ) representative involved were : Loan Underwriter ( XXXX XXXX ) , PNC Loan Officer ( XXXX XXXX XXXX ) , and PNC Representative ( XXXX XXXX ) . The underwriters were changed on two separate occasions. PNC Bank XXXX XXXX XXXX XXXX Washington, DC XXXX ( XXXX ) XXXX ( office ) We experienced numerous delays with the PNC loan process. We received numerous requests for the same documents ( pay stubs, bank statements, etc. ) from PNC Bank representatives : 1. TSP retirement act expired on XX/XX/XXXX. Need updated statements covering XX/XX/XXXX through XX/XX/XXXX 2. Request explanation for the following : regarding payments out of XXXX XXXX to Treasury Department, DC Gov't payment and IRS USA tax payment. Also provide verification docs of repayment and proof current per policy 3. Request explanation for the following : regarding overdrafts in XXXX XXXX acct in XX/XX/XXXX and XX/XX/XXXX 4. Provide a copy of the current lease for the subject property or provide a letter of explanation if a lease is not available. If no lease is in existence borrower to explain and also certify in letter what they currently charge in monthly rent to the tenant ( s ) 5. XXXX : I do not see an LOX regarding the payments out of the bank act to Treasury Dept, DC Govt pmt, and IRS USA tax pmt. I see a document which shows some of those charges were for a paid ticket and possibly a future payment on upcoming taxes due? But cant match them all up and still need an LOX and supporting docs. 6. XXXX : missing pages 9 through 12 of lease and also the lease expired. Need all pages of the fully executed current lease or proof the most recent expired lease has been extended. If the lease was not extended and there is no current lease in effect will need a signed/dated LOX stating what he charges for rent or what he would charge if its not currently being rented. Also please have the help desk remove the document uploaded on XX/XX/XXXX at XXXX CST from the XXXX as it includes a photo ID. Please re-upload any applicable pages without the ID. 7. NEW CONDITIONS ADDED : SEE BELOW : XXXX : Provide TSP quarterly stmt covering XX/XX/XXXX to XX/XX/XXXX and provide terms and conditions of withdrawal evidencing borrower has access to withdrawal amount needed for reserves *** ( The stmt in file ending XX/XX/XXXX expires today and the one in the XXXX coded as XX/XX/XXXX is not for XX/XX/XXXX. It is a year end stmt for XX/XX/XXXX. ) 8. XXXX : Updated stub for XXXX for pay period ending XX/XX/XXXX was uploaded with Other leave noted. Borrower to provide stub for pay period ending XX/XX/XXXX to evidence full pay period with no other leave unless other documentation can support its not temporary or medical leave *** If it is temp/medical leave and if he still on it, addl conditions will apply. ( I was able to verify on employer website that annual leave is same as vacation but couldnt find anything documenting what other leave is for so I have to assume it is medical leave at this point & if it is income will need to be recalculated & we will need addl docs per investor guidelines While the home buying process can be stressful and overwhelming, having a competent, engaged mortgage loan officer/under writer can make things infinitely easier, smoother and most importantly more enjoyable!
Company Response:
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2020-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-08
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Upon receiving my XX/XX/2019 statement from PNC Bank for checking acct number XXXX, I found that a {$21000.00}. ACH phone payment had been made to XXXX XXXX ( copy of statement page attached ). I did not authorize this payment, do not have any XXXX XXXX accounts or activity, and do not know who's XXXX XXXX Account this {$21000.00}. went to. I called PNC Bank customer service who said they could not reverse the payment, and suggested I call XXXX XXXX. In speaking to XXXX XXXX on 3 occasions, they told me that PNC Bank must file a FORMAL COMPLAINT, XXXX XXXX will not deal directly with me, the account holder. Attached is the initial letter from me faxed by PNC to XXXX XXXX. PNC did not receive a response from XXXX XXXX. PNC XXXX, XXXX XXXX XXXX Branch Manager XXXX XXXX spoke to another PNC Department, and I received the attached response, again saying I should contact XXXX XXXX. Reaching the PNC Retail Escalation Department and speaking to XXXX XXXX, I have requested that PNC file a FORMAL COMPLAINT per XXXX XXXX 's instructions, but PNC has not filed a FORMAL COMPLAINT to XXXX XXXX. For the last 3 weeks, XXXX XXXX and XXXX ( last name?? ) have not returned my phone messages, and I only get voice mail now. PNC tells me that anyone can call with a routing number and account number that can be read on the bottom of all checks written and they will perform an ACH debit with no further verification. I can not believe this is true. I believe that PNC is now ignoring me hoping that I will absorb the fraudulent {$21000.00}. ACH phone payment.
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2020-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On Tuesday XX/XX/XXXX a criminal opened a fraudulent account in my name with the phone company XXXX. They purchased 3 phones and set up a data plan using my name and bank card information to do so. I became aware of this late in the evening Tuesday when I received an email from XXXX advising me that " my order had been shipped. '' When I saw the email, I assumed it was a phishing email and forwarded it to my husband to take a closer look at it in the morning. Wednesday morning, XX/XX/XXXX my husband determined that this was a real transaction, and contacted XXXX and our bank which is PNC advising both companies that this was not us, we did not make these purchases and that this was Fraudulent activity occurring. We contacted XXXX which is the logistics carrier that the phones were shipped through and determined that the criminal who had done this had them set up to " ship '' to our home address and as soon as the phones were in XXXX possession and actively shipping the criminal went on to the XXXX website and placed a " hold '' request on the package, so that rather than being delivered to our home address the package would instead be held at the local XXXX distribution facility to be " picked up '' in person by the criminal. I was able to speak with someone at the XXXX distribution facility and explain what was going on so as to insure that they did not hand the package over to the criminal that had orchestrated this. XXXX made sure that these items were returned to XXXX and we reported this situation to our local police department on the same day, Wednesday-XX/XX/XXXX. We had 2 charges appear against my bankcard on Wednesday. One charge was from XXXX for {$72.00} the other charge was for XXXX for {$50.00} both of these charges were result of Fraud being perpetrated using my bankcard information. PNC cancelled my bankcard and initiated their own investigation on Wednesday XX/XX/XXXX. XXXX has the fraudulent phone accounts locked and are actively investigating the situation. I arrived at your website to report this per advice from XXXX to do so. The {$50.00} XXXX charge was stopped while still pending on our checking account. The XXXX charge eventually rolled from pending to charged against our checking account in the days following this incident occurring. XXXX advises that they are in the processing of reversing the charge. I have also received a paper bill from XXXX today, Thursday-XX/XX/XXXX for {$170.00} for the fraudulent account that was set up and the phones and data plan that were purchased by this criminal. I called XXXX about having received this bill today against an account that they are aware is fraudulent. They advised that the fraud team is actively working on the issues attached to this fraud and that I will not be held responsible for the bill.
Company Response:
State: OH
Zip: 43302
Submitted Via: Web
Date Sent: 2020-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I took out a home equity loan from PNC bank. Since the beginning of the loan, I have been constantly seeing the following problems : 1. PNC has misappropriated my additional principal payments as well as arbitrarily and unfairly split my payments to their benefit and applying it to interest. This is stealing money because they are purposely keeping my principal balance high despite on time payments plus extra. I also believe the is a form of predatory lending. 2. Ever changing amounts applied towards interest and principal that follow no pattern. 3. PNC refuses to provide an amortization schedule 4. PNC continues to randomly split extra principal payments and apply some of those dollars towards interest against my expressly written wishes 5. PNC is refusing to fix problems in XXXX now that is XXXX. According to PNC their system does not allow them to go back. Despite the fact, I first called in XXXX to address their issue and their extremely slow pace is the only reason why it is now XXXX. 6. I have worked with 3 separate representatives from PNC and get no help.
Company Response:
State: NY
Zip: 11793
Submitted Via: Web
Date Sent: 2020-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, I received a call from this number : XXXX They were pretending to want to verify my information for my XXXX account and said my bank would contact me to verify. I then got contact by what I thought was PNC from this number : XXXX. Immediately I saw 3 charges taken out of my checking PNC account from XXXX XXXX on XXXX. The charges were for {$40.00}, {$470.00}, {$480.00}. I called PNC bank within a minute. Filed a report and was told I was 100 % covered. I asked what next step I should take and the person said wait for us to contact you. No contact from PNC so on XX/XX/XXXX I called again. The lady I spoke to could tell a fraud alert was put on my account but said no report was ever filed for those charges. I filed another report, and was again told I would be 100 % covered. I was told in 10 business days I would recieve a credit for those amounts but asked if that could be expedited because I had actually filed the report on XX/XX/XXXX. The lady agreed and said I would receive a credit within 3 days. Then I received a call from XXXX XXXX from Pnc on that 3rd day saying that it would be 10 days from XX/XX/XXXX to process the report. I now have recieved a call today saying that I am responsible for all the charges take from my account and will not be getting any credits, after being told over 3 times I was 100 % covered. It is now 15 days from the original event. My original report was never filed and I filed it before the charges even processed from my account so PNC neglected to handle this accordingly.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2020-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-05
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: On XX/XX/2020 I was told by my mortgage lender, PNC Bank, they were having trouble finalizing the appraisal on the home I was purchasing. I paid {$540.00} for the appraisal on XX/XX/2020. The lender, in the XX/XX/XXXX phone call and follow-up conversations said the third-party appraiser - hired by PNC Bank - made an error in their report and could not finalize said report. Our closing date was scheduled for XX/XX/2020. Because of this error - outside of my control - the closing was pushed back to XX/XX/2020. In the interest of timeliness, my wife and I agreed to sign a form waiving our right to receive the appraisal any sooner than 3 days prior to closing. The form indicated, however, we would receive the report before closing. We closed on the home yesterday and still - on XX/XX/2020 - do not have the appraisal report in hand. PNC Bank has refused to cooperate and send me a copy of the form I signed or the appraisal in a timely manner. As PNC 's errors regarding the appraisal have already cost me time, money, and frustration ; AND I still have not received a report I paid for within a timely manner as agreed upon in writing - I am requesting a full refund of my costs paid to PNC Bank for the appraisal.
Company Response:
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2020-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On Date XX/XX/XXXX there was an unauthorized charge on my PNC debit card for {$100.00} made at a gas station in XXXX XXXX about 50-60 minutes from where I live. I have never been to that area in my life. On XX/XX/XXXX, there was another unauthorized charge of {$99.00} on my debit card also at a gas station in the same area as the previous transaction. My debit card was in my possession at all times and I did not lose it or let anyone borrow it. I called the bank on XX/XX/XXXX when I saw the transactions and reported the fraud. The bank never advised me to contact the merchant, as a matter of fact, I asked for the merchant address and they told me they did not have the information and told me to XXXX it, nor did they tell me that it was necessary to file a police report. They temporarily credited my account. I received a letter on XX/XX/XXXX that my claims had been denied with no explanation why and was told that the money would be withdrawn from my account. I called the PNC fraud department and was told that I should've known that I had to call the merchant and file a police report without being told to do so. They were extremely rude and unhelpful. Finally after asking several times how this bank protects my account from fraud, without an answer, my concern was sent to the escalation department. I received a phone call from them the same day along with an email. I called the phone number and left a message to the escalation manager who sent me the email. She never returned my call. I wrote her an email as well and she never replied to the email. I called the XXXX number and waited for another escalation manager to help me and got through to someone and explained what was happening. He stated that my claims were denied because other charges on my account hadn't been reported. I told him that the other charges were valid and I made them and they had nothing to do with the two fraudulent charges I didn't make. This makes no sense. He said he was going to submit the claims again for another investigation so that I can have my money returned to me. This was on XX/XX/XXXX. I received a letter in the mail dated XX/XX/XXXX stating that my claims were denied. I don't understand how a proper investigation was done in two days. I also called the police and filed a police report on Friday XX/XX/XXXX reporting this fraud. I called the escalation department and advised them that I filed a police report and to call me back so I can give them the report number. No one called me back. I'd also like to add that I've had a mortgage with PNC since XXXX as well as a bank account. I've had nothing but terrible customer service and feel very unsafe in keeping this bank account open.
Company Response:
State: FL
Zip: 33181
Submitted Via: Web
Date Sent: 2020-02-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: PNC LN XXXX XXXX XXXX XXXX , XXXX CA XXXX XXXX XXXX XXXX XXXX Payoff ordered XX/XX/XXXX. It was even escalated on XX/XX/XXXX. THREE WEEKS LATER WE STILL DONT HAVE IT!!!!!!!!!!!!!!!!!!!!! -- -- -- -- -- -- -- -- -- -- - At this point PNC is well outside Federal and State guidelines for providing a Payoff Demand, the consequences of which include Civil & Criminal Penalties. -- -- -I want the Payoff Demand delivered to us without further delay or pathetic excuses. THIS IS RIDICULOUS!!!!!
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A