Date Received: 2019-10-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have recently been made aware that PNC is forcing my taxes into escrow despite being paid in full 2nd,3rd and XXXX credit toward 4th QTR. I have provided numerous documentation in support of full mortgage and tax payment however, continued to received numerous phone calls. I would receive numerous phone calls from PNC on a daily basis on both mobile and landlines, sometimes simultaneously. I recently started a now job and work remote, on the phone. The phone calls persisted right before and during my work shift despite my request that they top. I wasn't until I sent an email to the CS department mentioning our intent to seek legal counsel for harassment, that the calls immediately stopped.
This situation has caused emotional stress for myself and my family. My payment history has been consistent for the past 19 years, even the past 4 years being a PNC customer. I don't like being strong armed and threatened into having an escrow. The monies I've been sending for mortgage payments have been applied toward the escrow account despite my objections and providing supporting documentation. PNC really needs to exert the same effort in pro activity and in their so called collections. Issues of this importance should be handled in the same manner as the collection attempts, by having a discussion with the customer, paying attention to details and documents, and resolving in a mutually beneficial manner.
EMAILED CORRESPONDENCE : From : XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 08053
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-15
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XXXX I had XXXX in my checking account before a transaction processed for XXXX for {$15.00}. Afterwards I had {$5.00} in my account. I withdrew {$140.00} and that over drew my account. On XXXX XXXX I was charged two {$36.00} overdraft fees. Then a transaction went through for XXXX XXXX for {$19.00}. On XX/XX/XXXX I was charged another overdraft fee for {$36.00}. I have made several attempts to resolve this issue over the phone and through the member message center but I was told that the XXXX XXXX transaction was processing when the XXXX charge went through so they charged me an overdraft fee for the XXXX charge and the withdraw. Then when the XXXX XXXX payment processed they charged me another overdraft fee for it. I had enough money in my account to cover either the XXXX transaction or the XXXX XXXX transaction but since XXXX XXXX was pending when the XXXX Charge went through I was charged an overdraft fee for both transactions plus the withdraw.
Company Response:
State: MO
Zip: 63123
Submitted Via: Web
Date Sent: 2019-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: Company : PNC Bank. Please see the attached letter sent to PNC bank on XX/XX/XXXX detailing the event in question. Since that time, I have been in contact with XXXX XXXX XXXX, Executive Client Relations Representative at PNC Bank. Her contact information is as follows : ( p ) XXXX ; ( f ) XXXX ; XXXX. Unfortunately, PNC has declined to reinstate the funds to my account, or even inspect, reprimand, or manage the PNC account holder that scammed me. On Thursday, XX/XX/2019, as instructed, I deposited {$1400.00} into a PNC account holders account by the name of XXXX XXXX ( Account # XXXX ). Subsequently, correspondence between the landlady and I became less frequent. She stopped responding to my emails and texts altogether, and never fulfilled her part of the agreement in sending me the keys and particulars to the unit. It is now evident that I have fallen victim to a scam. I was left devastated and, quite honestly, humiliated with no place to live only a few days before starting a new career. I have had to freeze my credit, open new banking accounts, credit/debit cards etc. The process has been exhausting, frustrating, and costly. PNC Bank has declined to look into the account that scammed me and further, declined my request to reinstate my funds after what they called a " thorough investigation. '' PNC indicated that my request was declined because of the policy that is signed by the account holder indicates that PNC is not at fault for these types of incidents, citing that the policy states that I " particpated '' in the nefarious transaction, even if unaware, as I deposited the funds willingly into the account. A significant point to consider - I was not a PNC account holder at the time I deposited these funds, nor was I ever previous to the transaction. I did not open an account with PNC until XX/XX/2019, so why is it that PNC is applying such terms to its rationale as to not return my funds? PNC has a responsibility as a financial institution to monitor and prevent fraud and the institute is outwardly denying adamantly to even investigate or contact the account holder. I am perplexed at how, me, as an outsider who was not an account holder at the time ; hence not signing or agreeing to any terms, is now being held to an agreement. Even more so, I am disappointed in PNC 's negligence and insouciant stance towards blatant fraudulent behavior. I can provide any and all documents upon request, including all email/text correspondence between the scammer and myself. Please feel free to reach me via phone at ( XXXX ) XXXX or email : XXXX. Thank you,
Company Response:
State: MD
Zip: 20910
Submitted Via: Web
Date Sent: 2019-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My wife and I sent a letter to the mortgage company ( PNC Mortgage ) dated on XX/XX/XXXX, sent via United States Priority Mail asking the mortgage company to correct the problem. We received a letter dated on XX/XX/XXXX, stating that we were still obligated to the loan. My wife and I were not borrowers in the loan modification that was filed in XXXX, but my son was the only borrower on the loan modification.
Company Response:
State: NJ
Zip: 08094
Submitted Via: Web
Date Sent: 2019-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-12
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX, PNC Bank paid a check to my account for {$270.00} which caused my account to overdraft. My account does NOT have overdraft protection. The check should have been returned unpaid. PNC then required me to make a deposit to the account to cover my negative account deposit. Also, this check was not a valid check since I did not sign it or authorize it. Attempts to recover the {$270.00} from the bank or the payee have been unsuccessful.
Company Response:
State: MI
Zip: 48103
Submitted Via: Web
Date Sent: 2019-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-11
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I have called PNC bank over the years and they state that their company policy is they will never send paper copies of mortgage statements. I am trying to refinance another loan and I need a statement but PNC is refusing. to compound the problems I have tried logging into pnc.com to get a statement but it has not been working for a month. Their help desk is refusing to do anything to assist me with getting my loan information
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The complaint is with PNC bank my mortgage company my two rental homes in Pennsylvania I have told them so many times that I can not pay the mortgage on the first because the way the money comes in I was never late I pay my mortgage around the XXXX XXXX or XXXX of each month and I still get calls and a statement showing the month that they saying its behind which is not because of the grace period time Until the XXXX of the month on top of that they send me a statement of the next month that is due on XX/XX/XXXX ... I think this is an harassment its not helping the customer and the situation ... Thank You
Company Response:
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2019-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-11
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/2019, PNC Bank was provided with illegal garnishment papers from a XXXX XXXX XXXX on behalf of XXXX XXXX XXXX, who through illegal channels and without proper written notification to me filed documentation with Superior Court of New Jersey, XXXX County, Special Civil Part. PNC Bank is insisting on holding the funds in my account until I resolve the issue of this illegal garnishment.
Company Response:
State: NJ
Zip: 07105
Submitted Via: Web
Date Sent: 2019-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We took out a mortgage refinance ( Texas equity loan ) XX/XX/XXXX with XXXX Bank as the lender. The loan amount was {$230000.00}. The loan was transferred in XXXX or XXXX of this year XXXX to PNC Bank. I do not know exactly when the servicer changed as I did not receive any communication of the servicing transfer. I received a new mortgage coupon book at the end of XXXX ( there was no additional details with the coupon book ). The flood insurance was due ( XX/XX/XXXX ), our property is located in a flood zone and escrowed with the monthly mortgage payment as required by law. I was notified by my insurance company the flood insurance had not been paid by XXXX. I then called PNC bank, On XXXX I was told the flood would be going out soon, by their customer service. During the call the customer service rep asked how I planned to cover/repay my escrow account. I explained to the rep, my flood insurance is escrowed with my mortgage payment and there shouldn't be anything else required from me. The rep indicated that at the end off XXXX PNC bank had paid my home owners insurance in the amount of {$2700.00}. My home owners insurance is not supposed to be escrowed. I signed and returned documentation XX/XX/XXXX with the original loan docs that only flood would be escrowed and I would pay separately the home owners insurance and property tax. I paid my homeowners insurance myself at the end of XXXX. This meant the homeowners insurance company was paid twice. I told the rep, they should contact the insurance company to obtain the payment they sent out in error. To which they indicated it was now my problem and I would need to get the duplicate payment repaid to me by the insurance and then turn around and send PNC a check back. They also explained that they would have to review the loan to check if it was eligible to have the home owners insurance account removed. I explained there was only suppose to be flood insurance escrowed, to which the response has been they show the loan previously had an escrow for home owners which is not the case. ( XXXX only escrowed for flood ). On XX/XX/XXXX received a letter from PNC that indicated they would remove the home owners insurance once I paid them {$2900.00} which is actually more than they paid out in error on the homeowners insurance and signed documentation requesting to remove the escrow for homeowners. Additionally the letter indicated the new payment would be {$1500.00}. Which is not correct, the loan is supposed to be a 30yr fxd with a P & I payment of {$1100.00}. The flood premium is {$970.00}. Which means the total payment should be {$1200.00} approximately. I contacted PNC again, to which the response was send in {$2900.00} and they will then review the loan to determine the payment. I sent on XX/XX/XXXX to PNC cashiers check for {$2700.00}. I do not see why I would send them more than the amount they sent out in error. I contacted PNC last week, to which the response has been they have not processed the review of the loan. I do not know if it was because it was not the {$2900.00} they requested in their letter or because I am not willing to sign additional documentation requesting they remove escrow for home owners insurance that should have never been set up.
Company Response:
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2019-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-10
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: so this is nOT a duplicate complaint i aalready filed this and it was returned this is NOt a duplicate on XX/XX/XXXX i was told and the call should be accessed i would have XXXX cents credited to my account. never happened. i did not ask for it it was offered details are all on the call from that day. i would appreciate the money back as promised. thank you I have called since not done. told not approved yet. well if i was told it and offered it should be done. please
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2019-10-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A