Date Received: 2020-01-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My wife had purchased a gaming system before XXXX from a website which quicky turned out to be fraudulent. We contacted our bank ( PNC ) immediately and once the charge processed we went through with the dispute. After several months the bank has denied our claim and randomly took out the money that was given back to us. They pulled the funds out on a Saturday night so we couldn't reach out and complain or contact them about this issue.
Company Response:
State: MO
Zip: 650XX
Submitted Via: Web
Date Sent: 2020-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-05
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: I was approved for a loan from PNC, I took the check to a dealership to purchase a used XXXX XXXX XXXX with XXXX miles for {$16000.00}, with a {$1500.00} trade in and fees included my bottom line price for the car is about {$16000.00} after trade-in, tags, and fees. The dealership accepted the check, and after almost three weeks, PNC notifies me that the loan has been denied due to the car having more than 80k miles, we then head to the dealership for them to get us a loan from their network however their interest is twice as much as what PNC provided us. Upon me doing some research I notice that under terms and conditions PNC does allow financing on vehicles with 80k to 100k miles. However certain restrictions are applied. Right now this puts me and my family in a vulnerable position because, we have a car that we are concerned with driving because we dont know whether we have to return it or not, and if we do return it, we will then need our trade-in back. So this loan denial is causing a chain reaction which is making this buying experience extremely unpleasant. Please assist us in working with the bank to approve the loan.
Company Response:
State: VA
Zip: 22203
Submitted Via: Web
Date Sent: 2020-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-04
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: In XX/XX/2015, I closed my business because I was selling my XXXX. I had called the XXXX branch of PNC bank to let them know that I was going out of business and asked if my daughter could close the account for me since I was going for XXXX XXXX. They said I had to come in. Several days after my XXXX, my daughter brought me to the bank in XXXX to close the account. The girl in the office who could have been XXXX or one of her associates, said that they would be closed as soon as the last check came in. This obviously never happened! Someone didnt do their job! I have received a notice early on and was told it was a mistake. Over the years, I have told PNC Bank that I dont owe anything and I want them to stop calling me! They called me XXXX at night and harassing me! I finally asked my daughter to take over and talk with them because I was becoming ill and having XXXX XXXX. My daughter worked with them and found as many records and she could and brought them to the bank in XXXX, for them to do an investigation. To date, they have not given me any answers but continuously ask me other questions about names and dates I can not remember. My daughter called and told them to send our records back and that we are going to file a complaint.
Company Response:
State: PA
Zip: 186XX
Submitted Via: Web
Date Sent: 2020-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My name is XXXX XXXX and the purpose of this complaint is in regards to PNC Bank commercial mortgages. Under the promise of a better banking experience, I refinanced my commercial office condo loan with PNC in the fall of XX/XX/2018. I did so, because my first lender failed to provide sufficient online access to my mortgage information. I worked with a specific banker, XXXX XXXX, who promised me, that by moving the mortgage to PNC, that I would have online access to statements, along with complete mortgage transaction history. This was important to me, because, as I shared with her, my goal was to pay off this mortgage early. The experience with PNC has been the opposite of what was promised. Not only are there no online statements available, nor any online transaction history, PNC doesn't even mail a monthly statement on this mortgage. Due to the poor experience, I'm in the process of changing over to XXXX XXXX for all my business banking. And I wanted to refinance my mortgage with XXXX as well. That's when I ran into the worst of all the PNC surprises. Although I specifically addressed with XXXX XXXX, my desire to have no early pre-payment penalties, she managed to sneak that language into my mortgage contract. To me, resolution is simple : eliminate the immoral pre-payment penalty on the office condo mortgage and permit me to transfer out my office condo mortgage to XXXX, a bank which appears able to fulfill its promises more than PNC.
Company Response:
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2020-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I purchased a new home and the loan servicing is being provided by PNC Bank. I was only able to put down 10 % to close on this home because I had to close on my existing home. My existing home closed and I was ready to put another 10 % down on this home. However, my loan was sold and in limbo for a few weeks. Once I received information on how to contact PNC, I contacted them in late XXXX. However, they told me they could not help me until after XXXX. I called back around XXXX asking how I get online access to may a principle payment. They needed to mail me a PIN. After about a week, I called back because I had not received it. After much back and forth, I finally got access because they were able to give me a PIN on the telephone call. Why was that not offered the first time? After I got online access, I did not see a way to make a principle payment. After speaking with someone, that option is only available to those consumers with a deposit account with PNC and not something I can do with just a mortgage. Why does PNC prohibit a principle payment option to any mortgage customer? The principle payment is for mortgage customers. Why do I need additional relationships with PNC to have this functionality? In mid XXXX was able to make additional payments to PNC to bring my loan balance under the 80 % threshold. Now, on XX/XX/XXXX, they tell me they still have not completed a review of my account to have the PMI removed. PMI is something that is absolutely necessary. However, the removal process should be simple and easy for consumers. No one should have to jump through hoops and wait weeks for a review. It is unacceptable PNC Bank makes it hard to get online access, make principle payments and have such a delay from request to decision.
Company Response:
State: FL
Zip: 34638
Submitted Via: Web
Date Sent: 2020-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On or about XX/XX/XXXX, I sent a check to PNC Bank bank to pay off part of the balance on my PNC Premier Traveler Visa credit card. The check that I sent was in the amount of {$490.00}. On XX/XX/XXXX my account was erroneously credited with a payment of {$95.00}. At no point have I ever sent a payment in the amount of {$95.00}. And I have confirmed that my check of {$490.00} was deposited by PNC Bank ( I have included a copy of the cancelled check ). They clearly deposited my check, but credited my account with the wrong amount. On XX/XX/XXXX I contacted PNC about the issue of the wrong amount being credited to my account. They opened a case for me ( Reference # XXXX ) and sent it to the Retail Escalation Team. I have since been in contact with this team numerous times including : XX/XX/XXXX - I received a call from the Escalation Team and explained the issue. They said they would try to look up the check internally, but it would be helpful if I could send a copy. On the same day, I faxed a copy of the cancelled check to XXXX XXXX from the Escalation Team. XX/XX/XXXX - I called PNC again to follow up and see if their was a resolution. After spending 1 hour on hold trying to get through to the Escalation team, I gave up. XX/XX/XXXX - I called the Escalation team again. I was told that XXXX XXXX had the fax, but I needed to wait for someone to review/approve it. XX/XX/XXXX - I received a voicemail from XXXX XXXX, but it did not include any information about a resolution to this situation. I attempted to return his call on XX/XX/XXXX, but there was no answer and I left a message. I called again on XX/XX/XXXX and again there was no answer and I left a message. It is now nearly a month since they received my original payment, and they still have not fixed the problem. In the meantime, my credit card bill was due on XX/XX/XXXX and I was forced to pay an additional {$400.00} to make sure they did not start charging me interest. While I understand that occassionally mistakes happen, I have given PNC Bank ample opportunity to fix this issue and they continue to drag their feet while I am out an extra {$400.00} due to their error.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: So I was put under as an authorized user on a credit card so I can build a relationship with. I applied for credit service to help boost the overall score. After doing so the account was closed and dropped my score down, but now it says on XXXX XXXX that the '' authorized user '' is responsible for the account. That was not part of the deal, that original user of the card used {$11000.00} out of the {$15000.00} and left it without making any futher payments. It is going for 3 months since they have made a payment. I have tired to to get in contact and no one wants to answer me. The account was under PNC Credit and again they have not tired to help me out with this problem.
Company Response:
State: CA
Zip: 90280
Submitted Via: Web
Date Sent: 2020-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-01
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I called PNC to close my account and someones told me they would but its still open.
Company Response:
State: MD
Zip: 21216
Submitted Via: Web
Date Sent: 2020-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-31
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I applied for a refinance in XX/XX/XXXX. I was informed there would be a delay and agreed to a closing date of XX/XX/XXXX. I complied with all requests for documents. My last communication to XXXX ( loan processor ) was on XX/XX/XXXX. She did not respond. On XX/XX/XXXX I called ( after receiving the out of office message on XXXX voice mail ) PNC Mortgage and inquired about a form. I received an email today XX/XX/XXXX informing me my loan would not close on XX/XX/XXXX. At no time was I informed there would be a delay and why am I just being notified on XX/XX/XXXX that my refinance would not happen. Furthermore, PNC wont provide the name of the person in which to escalate my complaint. They are informing me to send my complaint to a generic address. This delay has cost me time, money and leave as I have contractors scheduled to do work when Im off. I dont know if I can reschedule the leave. In addition, PNC should be financially responsible for this delay. I am paying for services rendered and they were not rendered timely.
Company Response:
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2019-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-31
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/19, a PNC bank branch in Georgia made an error of withdrawing {$1800.00} from my savings account and they gave those funds to someone else in error. I live in Maryland and all of my banking has taken place in this state. On XX/XX/19 at XXXX, I filed a dispute against this error and was incorrectly informed that I would be reimbursed 3 business days after my dispute was filed. After 3 business days, I was told by PNC customer service that my dispute was being dealt with by the fraud and identity theft department and that it could take up to 30 days for my funds to be returned to me. None of the errors that took place are my fault and my personal funds are being withheld from me for an unreasonable amount of time due to the errors of the bank. There has been a lack of responsiveness from the bank and the customer service processes have been disappointing. All of the funds that I keep in the bank are needed and I should not have to wait this long due to error on PNC banks side. For an insured banking establishment, this is unacceptable.
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2019-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A