Date Received: 2019-12-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PNC mortgage has refused to respond to payoff requests. They have been faxed 5 requests between XX/XX/2019 and XX/XX/2019. Each has included a written authorization from the account holder and all requested information. PNC has acknowledged receipt of the requests, yet continues to delay and fail to send a payoff letter for either account.
Company Response:
State: TX
Zip: 75252
Submitted Via: Web
Date Sent: 2019-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-11
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I was on a XXXX XXXX from XX/XX/19-1XX/XX/19without internet access or phone service. I used my PNC debit card for expenses while onboard the ship. Mid-way through the cruise, on XX/XX/19 I received a notice from XXXX that my account had been frozen, because they were unable to obtain authorization from XXXX for any amount over the $XXXX currently charged on my debit card. I work for several different companies which utilize direct deposits to my checking for pay. I was unable to go online to check my PNC account, so on the last day of the cruise (XX/XX/19) I went to the front desk to satisfy my account. I was told that I owed a balance of $XXXX, and that $XXXX had already been charged to my PNC account. I asked the cruise rep if I could use the ship's phone to call PNC to see if additional funds had been deposited to my account by my employers so that I could determine whether I should leave the PNC debit card on file or if I should use a credit card for the balance. I called PNC's XXXX customer service number to determine current available funds in my account. I was told that there was $XXXX available on my account, so I assumed that I had adequate funds in my account to cover the $XXXX balance on my account. I advised XXXX to run the balance on my PNC card, because I had $XXXX available. When I returned home on XX/XX/19, I received an email from PNC stating that my account was overdrawn by -$XXXX. I called PNC and told the customer service rep what occurred. The customer service began arguing with me and telling me that both the $XXXX and $XXXX charges by XXXX had been run on XX/XX/19. I told him that could not possibly be true, because I stood and watched the front desk attendant run my card for $XXXX on XX/XX/19. The customer service rep then stated that I also had several small transactions that had hit the same day as the XXXX charges. I explained to the PNC customer service rep that my available balance on XX/XX/19 was $XXXX, which was ample for both the $XXXX XXXX charge and the several small transactions made on XX/XX/19 and XX/XX/19. The customer service rep was unable to provide a valid explanation for why my I was told that the available balance in my account was $XXXX on XX/XX/19. He went on to state that PNC was charging me for six (6) overdrafts at $XXXX each. This is a totally unfair business practice on the part of PNC.
Company Response:
State: OH
Zip: 44131
Submitted Via: Web
Date Sent: 2019-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-11
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I asked my branch manager of PNC Bank at XXXX XXXX in XXXX, KY to do a Payable upon death for my personal checking account and my personal savings account during XX/XX/2019. These accounts are solely owned by me and I am the only person authorized to have access to the accounts. I had recently had my attorney draft a trust agreement and wanted the trust to be named as the beneficiary of my accounts. The manager seemed very confused about what I was asking for. After going around and around and clearly stating I wanted my accounts to stay as they are but just go to the trust after I die, she took a copy of my trust and said she had to get it approved by legal and I would get a call back the next week. This happened, she said I was approved, and needed to come in and sign a paper. I came into the branch and dealt with another employee to because the manager was on vacation. I again asked this employee before signing my paperwork that my accounts would not change they would only be listing the trust as a beneficiary, she looked at the computer and said yes. I thought nothing of it until XX/XX/XXXX when my husband lost his wallet and we checked his account online to make sure there wasnt any activity on his card. When we signed in under his account, we saw MY checking and savings account pop up with his! I immediately called the PNC 800 number to figure out what was going on. They said my accounts had been changed to the trust and because my husband was listed in the trust he now has access to my accounts! Yes this is my husband, but I never gave the bank permission to do this. What if it was somebody else!? They said I needed to go to my branch and speak with the manager. I did this and she told me a few different stories. First she said that was what I asked for and signed, then she said it was the only way it could be done, then she told me legal said it was illegal in my state to do a POD, then finally she said it was against PNC policy to name a trust as a beneficiary. At this point I was so mad and just wanted the access shut down and I asked her to revert my accounts to the way they were before. After several hours because she had to call legal back she told me she cant, she has to close my accounts and open new ones. I cant just do that when I have many auto drafted payments coming out of those accounts. So until I can get new accounts opened and everything transferred my accounts are wide open to be used by someone I did not authorize to have access to my account and the manager could absolutely care less.
Company Response:
State: KY
Zip: 400XX
Submitted Via: Web
Date Sent: 2019-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-10
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I went to the bank to get a hold placed on my account because of unauthorized transactions. I was refused this because I had a deposit incoming that the bank wanted and instead the bank disputed their fees and the transactions for me. At this point I was informed and had confirmed by the branch manager of the bank that I would get two different provisional credits, one immediately and the other in 10 days. Yesterday was the 10 days and the second credit did not arrive. I called the bank and got excuses and we arent giving you what you were promised and when I demanded the bank manager call me back he did not reach out to me. All because the bank was caught in a lie. I want this situation to be resolved by the credit I was told I would receive being immediately placed into my account.
Company Response:
State: FL
Zip: 32824
Submitted Via: Web
Date Sent: 2019-12-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-09
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: XXXX XX/XX/XXXX I first opened a business account with PNC in XXXX. My business is a typical retail brick and mortar store. In XXXX, I also moved my merchant account to PNC. In XXXX of XXXX, I received notice that PNC would close my business checking account due to high-risk activity. As a small part of the business, I had been doing a small amount of money transfer services since XXXX. Never was I told that this was not allowed or that it would cause any problem with my business account. But rather than giving me a chance to remedy the problem, PNC unilaterally closed my account. As of XXXX of XXXX, I stopped offering money transfer services at my business. At that time, I was concerned about the merchant account, which is a separate account with PNC that allows us to accept credit cards as payment, so I called specifically to ask about this. I asked if this would affect my merchant account. I was told that it would not, and that I could keep the merchant account. I would only have to change the bank that accepts the deposits. So I did just that. Six months later, PNC closed my merchant account, WITHOUT NOTICE OR WARNING! This cost me several thousand dollars in potential sales, plus about {$800.00} to set up a new service with short notice. Furthermore, they refused to process {$230.00} worth of sales with had gone through before I was cut off. When I inquired as to why the account was closed, I was told that PNC requested that it be closed ( apparently because they had closed the other account six months earlier ). No real reason was given, and I had never used the merchant account for activities related to money transfer services, nor had I ever had a charge back or other violation of the terms of the contract. The contract I signed is three year agreement. After checking it, I found nothing that allows PNC to close my account just because PNC had closed an unrelated account several months prior. In my view this is breach of contract. Their blatant disregard for customers nearly put me out of business after eight years of hard work and sacrifice. Words can not express how deeply offended I am and their underhanded and unethical business practices. They do no deserve to be in business at all. If I treated my customers like that, I would not have any customers. I believe PNC should compensate me for their indiscretion, as well as compensate me for lost sales, the charges that were not processed, and the cost of setting up a new services. I seek {$15000.00} in damages. XXXX XXXX XXXX XXXX
Company Response:
State: NC
Zip: 27520
Submitted Via: Web
Date Sent: 2019-12-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have been banking with PNC Bank since I was XXXX years old well before it became PNC bank. A few months ago I received a email asking me if I would like to be a XXXX XXXX for XXXX I responded and within a few days I received a cashiers check from XXXX. I immediately took the check to PNC bank & asked the teller was the check good she looked over the check and stepped away for a moment came back and said the check was good I even asked her if the check was returned would I have any issues she said no the check is good. There was a total of 5 checks after a week I was notified that a check had been returned I went into PNC immediately I spoke with the bank manager she told me( Jane Doe) that PNC would not be held liable at all and that I would be responsible for all bank fees and all returned checks & maybe next time I will make better choices... My account had XXXX from my deceased father and XXXX from saved child support to go towards my daughters college which I save a portion every month she is supposed to attend college next fall which is next year and I had a few more dollars that was supposed to go to the rest of my bills for the rest of the month I am a XXXX vet on very limited income. PNC placed a hold on my bank account they didn't give me the option to make any payments I was left with nothing not even enough gas money to get back home. I returned to the bank again to try and get some type of help with the loss of all my money when I entered the bank one of the teller's was leaving and squeezed my arm and said sorry to hear about your financial loss.... Once I reached the actual teller for assistance she already knew my name and went on to tell me that PNC usually puts a hold on out of state checks and nonlocal bank checks. I asked the bank manager why didn't they do this for me she once again she became rude and said to me( Jane Doe) that maybe next time you will make better choices when it comes to your finances and you should of known better. I am out of a total of a little over $XXXX. It seems as though every person that works at PNC in XXXX NC knew everything that has happened to me confidentiality is definitely not at this location. I was preparing for me and my daughter's future if I would of know I was being scammed I wouldn't not have cashed the first check. I have also filed a police report which the bank instructed me to do but that has not been able to track down who sent the email or the cashiers checks. So I even asked the bank manager who is PNC really helping themselves or there customers because apparently they could care less about there customers. I was contacted by mail form the head bank In Pennsylvania which was just to acknowledge that the PNC bank in XXXX NC had received my letter and complaint. I have never in my life been treated so rude I felt like I was completely discriminated due to me being a XXXX vet and other reasons. I have also contacted the XXXX XXXX XXXX on XX/XX/2019, PNC has failed to respond to them.
Company Response:
State: NC
Zip: 285XX
Submitted Via: Web
Date Sent: 2019-12-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Before lodging this particular complaint I decided to review my previous complaints and from their very first response they were incorrect! I let them know right away that my partner had passed away and they completely cut me off and quit talking to me. I sent them fax after fax to prove I was the sole deed holder with no response. They wouldn't even confirm whether or not they'd received my faxes for years, yet they stated I didn't let them know this for years. They also stated they had updated my files their second foreclosure attempt but apparently hadn't. They also took my personal checks to pay the mortgage for almost 5 years til one-day out of the blue they just sent my payment back, not 3 years til I couldn't make my payments anymore. And they stated that I was trying to get a government program to help me but requested postponement of my foreclosure to see if approved when I had their approval more than once but was refused by the bank and the final time I just needed an additional week or two for the actual approval let yet was already approved!!! My complaint now is that they have stated they need more time to investigate this matter over a month ago and from previous experience I know they will either blow me off indefinitely or they will make up whatever they have to in order to close this case whether true or not. Thank God I have CFPB to supervise this or they would leave this complaint as unreceived, and/or resolved indefinitely!!! Bottom line is they stole my house!!! Never acknowledge, talked to, or assisted me in any way to help me AT ALL!!! I would now like them to respond!!! Thank You!!!
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-07
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Applied for Loan - XX/XX/2019 : Received Credit Reports - XX/XX/XXXX & Letter of Credit Approval - XX/XX/XXXX ; Property Evaluation / Appraisal - XX/XX/XXXX ; Received Notification of Loan Approval - XX/XX/2019 ( via email ; and a copy on XX/XX/XXXX via USPS ). Much to my chagrin, as per a telephone conversation with the original loan processor, ( XXXX XXXX ) on XX/XX/XXXX, I was advised even though everything was approved, due to staff at the branch not being available, the loan could not be consummated until XX/XX/XXXX. The loan did consummate on XX/XX/XXXX, with a Disbursement Date listed for XX/XX/XXXX. Due to lender 's error in Notarizing the documents, the disbursement did not take place until the XXXX or XXXX, and it was only because I had called the branch 's manager did I find out of the error ; the Closing Disclosure was never revised or was authorization given for the change. This act of FRAUD, cost me a minimum of {$100.00}, ( {$27.00} per day ), in 4 days of interest charges I had to payXXXX XXXX on the loan PNC was paying on my behalf .... not to mention the the additional days of interest charges I was required to pay because they did not have staff available between XX/XX/XXXX and XXXX. See attached correspondence from PNC in response to my statement.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2019 this office obtained a copy of my credit report and it was a result of fraud. I am a victim of Identity Theft and I ask this office to handle this in a serious manner. I have XXXX XXXX and additionally signed up for credit monitoring services with the credit bureaus and have reached out to XXXX as well. I have added a security freeze to my credit file to prevent this from happening in the future. I ask this office to complete an investigation and remove this from my report and any fraudulent address, phone number, or any information that does not belong to me that the unknown person used to apply for the account. I reached out to this office only to be transferred to someone who is foreign repeating everything twice or talking about something else other than my name being used. I have even been placed on hold only to be bounced around from person to person and the phone being hung up.
Company Response:
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2019-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: 1 ) The mortgage servicer PNC Mortgage has failed to accept and permit the submission and review for Mortgage Assistance to Mr. XXXX XXXX XXXX. XXXX XXXX XXXX was approved for a trial modification in XX/XX/XXXX. XXXX XXXX completed the required 3 trail payment and signed final Modification agreement on XX/XX/XXXX. PNC Mortgage refused to accept the signed and notified trial agreement because of alleged error. PNC Mortgage then proceeded to return file to foreclosure status and continue to contact an auction of Mr. XXXX residence. 2 ) PNC Mortgage also has denied and rejected any and all mortgage assistance applications since the date of XX/XX/XXXX, citing that Mr. XXXX could not receive assistance because he has exceeded his mortgage assistance attempts. However, PNC mortgage has not provided an evidence of such agreement between PNC Mortgage as servicer or owner of note. Although documentation has been requested multiple times by me. 3 ) PNC Mortgage improperly started the foreclosure process prior to the customer, XXXX XXXX XXXX being 120 days delinquent. Federal Law requires a 120-day Pre-foreclosure period by CFPB mortgage assistance guidelines, ( per 12 CFR 1024.31 ) The promissory note or any other loan contract does not contain a due-on-sale provision, thus 120-day rule is in effect. 4 ) PNC Mortgage has not applied, or improperly applied payments made during trial period of approved modification. 5 ) In addition, this constitutes dual tracking, based on the process starting before the 120-day delinquency period and PNC Mortgage representatives stated that file would be reviewed for mortgage assistance programs ; however instead a sale date was entered into the system for XX/XX/XXXX. 6 ) PNC removed the above sale date due to a ratified contract to sale my home. However, said contract fell through. A new application for homeowners assistance was submitted to PNC Mortgage on XX/XX/XXXX. 7 ) PNC Mortgage did not review application instead PNC Mortgage ignored submission and entered a new sale date of XX/XX/XXXX. 8 ) In addition, PNC Mortgage violated the SCRA Act when this process started several years ago, as I was still XXXX XXXX in the XXXX XXXX as XXXX XXXX XXXX.
Company Response:
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2019-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A