Date Received: 2020-01-22
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: PNC Mortgage charged this loan off XX/XX/2019 and released there mortgage. I am not trying to sell the home however, they have not vacated there judgment or dismissed the foreclosure action against me in XXXX County case number XXXX. Under PA law the foreclosure is now invalid and needs to be dismissed with prejudice. They are now preventing me from being able to sell the property by holding a lawsuit over my head that is invalid for 30 days.
Company Response:
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2020-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2019 I tried to make a deposit of {$200.00} using the ATM inside the lobby of my PNC bank, but Instead of using my debit card from the bank, I used my credit card by mistake when I put the {$200.00} in the ATM. The ATM took the deposit and gave me a receipt that said transaction can not be processed and kept my {$200.00}. I spoke to the manager XXXX XXXX he told me to have the issuer of the credit card file a payment research request with PNC so they can do an investigation to see what happened to my {$200.00}. I contacted the credit card company and the credit card issuer said they can not find the payment and to have PNC trace the funds. I consider this incident a malfunction of the ATM operated by PNC and feel that they should be able to investigate without need for a request from another company, the ATM receipt shows the time and sequence number, so PNC should be able to verify with video footage that Im telling the truth.. I would like PNC to return my {$200.00} that the ATM should have returned to me since the transaction could not be completed. Please see attachments. Thanks XXXX Pnc bank I used was the one in XXXX XXXX, Ohio
Company Response:
State: OH
Zip: 430XX
Submitted Via: Web
Date Sent: 2020-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-18
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Addendum to.complaint XXXX I received call from executive cust service office XXXX. She.verified I could.close and.cash.out.my account.on fri.XXXX. We agreed on a bank office but i later realiZed it was 80milea away per XXXX so i called.to change to XXXX mi.office. i called ahead and the manager stated she had.been notified to close the account.but that could not.happen for theee days. Of course XXXX is a bank holiday so 4 more days in addition to the three already.with absolutely no funds. I called XXXX back and she was not available i spoke to a male manager who stated i would not.be able.to close for atleast 3 daya.and would receive a cashier 's check within 10 days.of that.time. i told.him i have no use for.a.casbier check i wanted cash.and i could.not go another 14days.without.funds. i opened this account.with.XXXX cash and.i am leaving with cash. Well nothing.was done i deove.30minutes to the.branch and was transferred to multiple offices and everyone had a.different story. We are getting a foot of snow.i have livestock as.mentioned before. I need to feed them. And I need to fuel.my.truck. this has.caused.me.great hardship. Financial.freedom is an illusion in this.country.
Company Response:
State: MI
Zip: 486XX
Submitted Via: Web
Date Sent: 2020-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: PNC Bank provided a promotion offer for opening a new checking account and meeting requirements. As a qualified customer, I met all required activities within the given time. PNC customer service representative confirmed the bonus of {$500.00} will post in 60-90 days after XX/XX/XXXX, or approximately XX/XX/XXXX When the bonus failed to post in my account, I followed up with the bank several times online. PNC Bank opened a ticket for tracking purpose, but evenutally no explanation was provided, bonus was never provided as of XX/XX/XXXX. As a consumer, I expect a bank to honor a promotion offer.
Company Response:
State: IN
Zip: 46112
Submitted Via: Web
Date Sent: 2020-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-17
Issue: Problem when making payments
Subissue:
Consumer Complaint: Due to some unforeseen expenses in XX/XX/XXXX, I was unable to make my personal loan payment to PNC Bank. As a busy working professional, I am not always able to make a phone call during the normal business day, so, I have not been able to reach out and discuss my loan and payment until today, XX/XX/XXXX. My loan payment is typically due on the 21st of every month. However, on XX/XX/XXXX, PNC Bank decided to automatically withdraw my payment of {$99.00}. This was an unexpected withdrawal from my account. I was able to call today and speak to a representative at PNC Bank at XXXX XXXX, during this conversation, I was informed that in cases of missed payments, PNC Bank will randomly decide to withdraw money from my checking account and " unfortunately, we do not know when that will be ''. In order to offer a solution, I asked if the bank to reverse this unexpected withdrawal and set up a payment from Friday, XX/XX/XXXX which will bring the balance of the loan to current. This request was denied because I had not had an opportunity to call prior today. I have, however, tried to reach out to PNC through their online customer service chat. I spoke to three different online agents and not a single of them was trained adequately enough to handle my loan questions.
Company Response:
State: KY
Zip: 41017
Submitted Via: Web
Date Sent: 2020-01-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/20 my bank account was froze without warning or provocation. I received no message through online banking.no phone call no email. I was unable to pay for groceries at the store is the way I realized I had no access to funds. I customer service with PNC bank who told me my account was under investigation. XXXX XXXX Michigan branch manager told her I was sending money to a romance scammer, and it was her job to protect my funds. All funds in my account have been from my investor. This was a knee jerk reaction and slanderous act. When contacted the branch manager said she could keep my funds froze up to 90 days. I have a XXXX XXXX and require access to funds. And we are having blizzard conditions here in Michigan. I explained this to the branch and to investigators. My account remains frozen. I am.unable to.close the account because.it is under investigation. The deposits and balance are over 6 thousand dollars. And my car and house insurance are.due and my phone bill. This is causing severe financial hardship
Company Response:
State: MI
Zip: 486XX
Submitted Via: Web
Date Sent: 2020-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-16
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: This complaint is related to an already existing complaint with the CFPB, XXXX. I will attach that complaint, upon which I now have an addendum. " On XX/XX/XXXX, I became aware of a number of fraudulent charges on my PNC card account ( account ending XXXX ) and immediately notified customer service via the 800-number on my statement. After an extensive conversation, in which I identified the several specific fraudulent charges to the assigned agent, I was informed that the account would be closed, a replacement card issued, an investigation promptly conducted, and the fraudulent charges immediately reversed. In the subsequent few days, I did indeed receive a new account number and card ( now ending XXXX ), but the prior account 's balance moved in its entirety the new account number. When there was no further action or contact from the company over the next several days, I reached out a second time to PNC customer service on XX/XX/XXXX, to inquire as the the ongoing status of the investigation and process. I was informed that things were proceeding appropriately, and I should expect the credit to be issued shortly. After several more days delay with no observable action on the account, I phoned PNC on XX/XX/XXXX, and again inquired as to the status of the investigation. On this occasion I was told that while my prior account number was indeed closed, there never was *any* fraud report taken. All my previously identified charges had simply moved over to the new account number. After a number of delays and transfers, I finally was given access to an agent in the fraud department who took my claim again and promised that this time the process would be properly initiated. She could offer no explanation for why this lapse occurred. I am fairly incredulous that PNC failed to execute the clear and obvious fraud complaint I made on XX/XX/XXXX and believe this is a significant failure in their systems. To be required to identify the lapse myself, and resubmit the same complaint a second time, is totally unacceptable and should be sanctioned by the CFPB. '' Subsequent to the submission of the above complaint, I received a phone call on XX/XX/XXXX, from XXXX XXXX, from PNC 's Executive Offices. She was very helpful, and agreed to liaise with me vis-a-vis the dispute department on this matter. A key point she related to me as we discussed the items that I believed were valid ( vs. invalid ), was that *I would receive a final written itemization in the mail of the claimed items to review and correct* before the claim was finalized. I believe such a practice is also compliant with and required by the Fair Credit Billing Act. Yet as of today, XX/XX/XXXX, I have yet to receive such a written itemization. Further, the Company simply took as final my rough orally expressed indications of what I believed to be fraudulent, and in the process, interpreted my statement incorrectly, or made errors themselves, and the result has been an overall denial of the claim, which includes many patently fraudulent items that I continue to dispute. I must have had at least 8+ phone calls on this matter ( because of the earlier complaint referenced above ) over the course of the last several weeks, and in all cases did not have the card statements available to me as I was being queried and as I was asked to recall dates and events that occurred several months prior. Based on Ms. XXXX 's assurances, it was my sense I would be given an opportunity to review things on paper, as is my right, before formally finalizing the claim. This has been denied to me in the interest of expedience by the Company to close out the claim and move to the next.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2020-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and The Internal Revenue Service my personal information was exposed in both of their data breaches. XXXX, then confirmed on two separate occasions that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Company Response:
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2020-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. No authorization was given to have a hard pull of my credit file.
Company Response:
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2020-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-14
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: My college daughter made purchases and overdrafted her account by {$1.00}. We had previously been told they had a {$5.00} threshold for overdraft fees. They then charged 4 overdraft {$36.00} overdraft fees. When we called they said the fees are assessed on available balance. We did not know this and had been banking here for years. We were also told that since she was opted into overdraft coverage she gets charged for each item that hits the account that day. We explained we knew nothing of any of this. We previously kept high balances in our accounts. We recently had a sudden death in the family and depleted our balances. In the past we could call and ask for an explanation of charges no one ever even took the time to explain it they just refunded the fees. Now they we are in a lower balance situation we get a full explanation with no refund. Im concerned this is discrimination
Company Response:
State: MD
Zip: 21771
Submitted Via: Web
Date Sent: 2020-01-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A