Date Received: 2019-11-20
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On XX/XX/2019, I ordered, through PNC 's online banking service, a check payment of {$8000.00} from PNC bank to XXXX to settle a car accident. I typed in correctly the check address to the third-party settlement company and made the check payable to XXXX in the online payment system. Upon finishing the instruction, the online payment system highlighted only web payment option and had no paper check option. So I went through the web payment option. XXXX and their settlement company informed me the money was never received. To resolve the issue, I have : 1. Contacted XXXX, but XXXX asked me to instruct them where the money was sent to for them to locate the money. I was not given the information from PNC. 2. Contacted PNC bank, but PNC informed me that their online system was outsourced to a third-party, XXXX and referred me to them. But XXXX refused to interact with individual customers and would only work with institutions. 4. Disputed the payment through PNC Bank. PNC Bank contacted XXXX, XXXX refused to engage, and PNC Bank closed the dispute. 5. PNC confirmed the money was sent out through web payment to XXXX and asked if I was paying to XXXX from XXXX XXXX online payment system. I told PNC Bank that I am not a customer of XXXX, have no way to use their regular payment system, and have no idea where the {$8000.00} was sent. From interacting with branch managers of PNC, a plausible scenario of what actually happened may have been this : 1. I ordered a payment with the recipient name being XXXX 2. The outsourced payment system hardcoded payments to XXXX through their insurance payment interface 3. The money was sent to one of the generic XXXX insurance payment interface
Company Response:
State: MO
Zip: 63108
Submitted Via: Web
Date Sent: 2019-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX I paid the balance on my mortgage. On XX/XX/XXXX I received a letter from PNC congratulating me for paying my loan in full. The letter indicated that they were preparing documents to send to my county to release the lien on my property. On XX/XX/XXXX I received a check from my home owner 's policy for a covered loss. I didn't realize that PNC was also listed as a payee and deposited the check into my account with another institution. On XX/XX/XXXX I receive the check back from my bank indicating it couldn't be processed. On XX/XX/XXXX I went to PNC to have the check signed off on so I could deposit it. They would not sign off on the check, but requested an " exception ''. On XX/XX/XXXX I was notified by PNC that they could not sign off on the check because my mortgage was closed and I needed to contact the insurance company. I contacted the insurance company and was informed that I needed to get the lien release letter from PNC before they could reissue the check to just me. I contacted PNC again on XX/XX/XXXX and was told they couldn't help me. I asked to speak to a supervisor. On XX/XX/XXXX my insurance agent informed me that not only hadn't PNC sent a Lien Release notification to my insurance company, they also hadn't sent notification to the county I live in. So I have had a lien on my home for approximately 15 months after I paid off the mortgage. On XX/XX/XXXX I called PNC mortgage department again since I never received the return call I requested on XX/XX/XXXX. I was passed around to a few different people. I was finally told to contact the Lien Release Department and leave a message, which I did on : XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX I never received a return call from any of those messages. On XX/XX/XXXX at approximately XXXX I went to a local branch of PNC to try to get someone to assist me with this situation since no one was returning my calls. I spoke to customer service and to a supervisor, but there still isn't any resolution. I still have a check I can't deposit or use from my insurance company AND I still have a lien on my home despite multiple attempts on my part to resolve this with PNC.
Company Response:
State: FL
Zip: 33913
Submitted Via: Web
Date Sent: 2019-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-19
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a PNC Bank checking account ( Virtual Wallet with Performance Select ) on XX/XX/2019, using an online offer on the PNC Bank website for a {$300.00} account opening bonus. The terms of the offer were to establish a direct deposit of {$5000.00} to the new account and to make at least 10 debit card purchases. I completed the terms of the offer in early XXXX and was assured by PNC Bank customer service representatives on multiple occasions that I had met all of the offer requirements and would be receiving the {$300.00} account opening bonus within 60 days. On XX/XX/2019, I called PNC Bank again because I still had not received the {$300.00} bonus. The agent assured me that I had met all the requirements and was going to escalate the matter so the bank could manually deposit the {$300.00} bonus. A PNC Bank representative from the escalation department then called me on XX/XX/2019, to say that I did not qualify for the {$300.00} bonus even though I had fulfilled all the requirements, to include direct depositing {$5000.00} to the account on several occasions. I am deeply concerned by the false marketing offer that enticed a customer like me to open a PNC Bank checking account for a {$300.00} bonus that the bank did not intend to pay out. These types of practices are fraudulent, need to be stopped, and ultimately harm all consumers.
Company Response:
State: VA
Zip: 22314
Submitted Via: Web
Date Sent: 2019-11-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-19
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I Spoke with pnc chat on tuesday XX/XX/XXXX And was told my checking Account could not be closed because of a Outstanding balance i was told to contact the collections department. and i spoke to XXXX from the collections department And she had stated that What was said in the chat is incorrect that the account Can not be closed because of Ongoing disputes on the account and the Overdraft im on ssi XXXX and already switched banks and do not have the money to cover this i would like the account to be closed.
Company Response:
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2019-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-18
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: My husband and I opened a virtual wallet checking account with PNC Bank. My husband could not establish an online account to manage the account online. After spending hours on the phone with customer service and no resolution, we decided to close the account. I called customer service and explained the situation to the representative and requested the {$25.00} fee to close the account be waived. The representative 's manager approved the waiver of the {$25.00} fee. I made sure to clearly confirm I would not be charged any fees for closing the account. They stated that the fee would be reimbursed to me after the account closed by cashier check. It has now been nearly two months and I have not been reimbursed, even after follow-up calls with them.
Company Response:
State: CO
Zip: 80012
Submitted Via: Web
Date Sent: 2019-11-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-16
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have been on PNC for months about never crediting my Cash Rewards Visa Signature Credit Card with the welcome bonus for new customers in return for spending a certain amount after 3 months, which was being advertised during the time I signed up. The last agent I spoke with from Customer Service told me there is no record of you ever having that promotion during that time and I would need to show proof. That is absolutely ridiculous!! First of all, what does she mean there is no record?? The promotion was going on at that time, I can assure you. My girlfriend pointed it out to me and reminded me a numerous amount of times to spend a certain amount in order to get that bonus. Do they not have record of their own promotions?? Second, who has proof of something like that unless they thought to take a screenshot?? If we knew that PNC was going to try to screw me over and not give me my bonus as promised, one of us would definitely have screenshotted it. But attached are reviews of what other customers were saying PNC had going on around the same time I opened my account with them. Please note if PNC tries to contact me their attempt will be disregarded. I have already spent a total of an hour on the phone with them several times over this matter. They need to just put the credit on my account!
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2019-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My complaint is against PNC bank account # XXXX status open with {$0.00} balance. I have been trying to dispute a late payment back in XXXX of 2018 that should not be there at all because I was never late and havent been late ever with PNC. I have years making business with the mentioned company and I was a satisfied costumer until I found out about this negative mark on my report. Therefore, I decided to dispute this information with PNC but when you try disputing anything with them they make it so hard to do so. They want the dispute to be internal with, a clear violation of FCRA. Not like other creditors that have a fax number or an address to send your dispute and start with an investigation as required by the FAIR CREDIT REPORTING ACT. So that is why I had to proceed through Consumer Financial Protection Bureau. Back in XXXX of 2018 I made the online payment through their online system indicated that everything was ok and me thinking that the payment went through. I received no notice of any kind that I was going to be reported as late. Not even a phone call so I could make the payment. This is negligence, unfair business practice, breach of contract and the list of violation can continue if I decide to take this case to a judge. Please PNC be reasonable with a loyal client of yours and correct that error and we can continue making business. I would appreciate a deletion letter through CFPB so I can present to my mortgage company. I have a {$500000.00} home loan pending because if this error. Im attaching a bank statement from XXXX of last year, to prove it was not a money factor or even less that did not want to pay PNC. Thank you!
Company Response:
State: MI
Zip: 48307
Submitted Via: Web
Date Sent: 2019-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Today is XX/XX/XXXX. It has been a week since PNC Bank promised that a modification decision would be made. I am 48 business hours from the sale of my house on XX/XX/XXXX. This is the second time I have experienced going to the midnight hour with PNC. This is the same nightmare scenario that led to a currently pending Class Action federal case against XXXX XXXX XXXX ( dated as ofXX/XX/XXXX ) by he CFPB. PNC 's and XXXX XXXX policy handbook seems devoid in their understanding of the definition " Escalation of Sale Date ''. The Escalation with the Loss Mitigation department is apparently an empty title that is for appearances only and has no active proactive procedures to adequately resolve the complaint. PNC like XXXX has also failed to place the sale on hold. This kind of treatment is belligerent. This is the 21st century and regulatory practices demand full Transparency on best practices. This is a regulatory violation. Finally, am I the only customer that has voiced these PNC systemic violations? Or are there any other voices out there to say that " PNC failed miserably to adequately resolve Foreclose Sale complaints after the customer had provided all requested documentation ''? Without the strong arms of CFPB, FTC, and other State agency being vigilant, the playing field would be characterized as being unfair and stacked against the consumer in their dealing with big financial corporations like XXXX and PNC. It would be unjust for XXXX and XXXX XXXX ( now XXXX XXXX XXXX ) to have been penalized back then for their unfair practices. Only to let XXXX and PNC 's reckless and repeated bad behavior goes unpunished. As they have systematically and continuously violated best practices regulations regarding Foreclosure Sale complaints. These regulatory rules are designed to be fair for both companies and consumers. Any assistance would be much appreciated.
Company Response:
State: VA
Zip: 20147
Submitted Via: Web
Date Sent: 2019-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-15
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: I am a co-signer on an auto-loan that is through PNC bank. If the loan is one day late they will start calling and harassing for payment. The loan is not even 15 days late this month and they have called 3 times this month before XXXX XXXX. They called today and the payment is processing in their system. I live on the west coast and the individual responsible for paying lives on the east. They have called me Saturday XX/XX/XXXX at XXXX XXXX, Tuesday XX/XX/XXXX at XXXX XXXX, and Friday XX/XX/XXXX at XXXX XXXX. Numerous times I have told them I live on the west coast and gave them my address. We have even had them change the primary contact to the individual who makes the payments in Florida and it never sticks in there system.
Company Response:
State: CA
Zip: 95687
Submitted Via: Web
Date Sent: 2019-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-15
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/XXXX I became aware that my business partner had removed me from our business accounts after making exaggerative and false claims to the bank. The bank holds the operating agreement and never contacted me allowing her to not only remove me from the accounts, but to put old accounts on hold and open a new business account with only her name on the account. They have said that because I was not listed on XXXX here in florida as an owner on the account, but allowed up to keep running the account stating that the operating account was good in all it stated. The bank Manager of the XXXX XXXX branch XXXX XXXX had told us that the agreement needed to be updated to make it clear so my business partner and I did correct the document to meet the needs of the bank. Upon my partner, XXXX XXXX being made aware for a final time she needed to correct the way she was billing XXXX by me becoming aware she was breaking the law she went to the bank and had me removed. XXXX XXXX went to meet with XXXX along with her ex husband and claimed many false things and XXXX the manager of the XXXX XXXX XXXX branch at XXXX XXXX XXXX then proceeded to remove me and then he refused to speak with me about the matter in any detail at all. I then contacted the small business banking 1800 number who stated this seemed to be wrong on XXXX 's part as Forida law does count the operating agreement as ownership notice and the agreement clearly states 50/50 voting rights as well. I then found my way up to speak to XXXX XXXX who met with PNC banks attorney 's and came back saying that XXXX had made a correct choice in removing me. After speaking with the state they have made it clear that they should not have removed me in this manner and even more it goes as a breach of contract against XXXX XXXX XXXX XXXX. XXXX then proceeded to claim thousands of dollars of charges were fraudulent including monies that were paid to employees and helpers at the birthing center. She also refused to pay some employees as backlash for them being supportive of me. It is imperative for the safety of mothers who will deliver at the center and the financial livelihood of some employees and myself as a true owner that she is not allowed full control any longer. At this time XXXX XXXX is under investigation by the Attorney General and my fear is she will be using these business funds to use in her XXXX fraud case, the state of Florida as well as XXXX are starting an investigation against her for other issues along with XXXX fraud. XXXX XXXX has been able to steal from me at this point along with the government via XXXX fraud and the bank is enabling her by allowing her to put all business funds in a separate account. Even more than theft her carelessness has allowed babies to almost die and this stems from her having full control of the business funds.
Company Response:
State: FL
Zip: 34990
Submitted Via: Web
Date Sent: 2019-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A