Date Received: 2019-08-29
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX we went under contract on a home in XXXX, KY. Our loan officer was informed the next morning ( XX/XX/XXXX ) via email by our realtor that the home was under contract and to please proceed with the loan estimate. We had a home inspection and negotiations done in a timely manner ( within 4 days ). Our loan officer did not start our loan application process until XX/XX/XXXX and a loan estimate was not delivered until XX/XX/XXXX. Our contract stated we would close between 20-40 days. As we began talking with our loan officer we made it clear that we wanted to close around 30 days. We assumed this a reasonable request and the seller 's were due to have a baby and were also hoping to close around the 30 day mark. It then became clear that our loan officer ( LO ) was completely unprepared and behind on our loan. We had multiple phone conversations with him where he was very rude and inappropriate and told us " there is absolutely no way I can close this loan before XX/XX/XXXX. '' This was very frustrating for us because it would be outside of our contracted closing dates. Myself, my partner, our realtor, and the seller 's agent all reached out politely to see how we could speed the process along. At this point, our LO 's superior got involved. Both men were completely rude and disrespectful to myself ( a woman ) stating that " you wouldn't understand these types of things '' and angrily asking me to " calm down '' if I became frustrated with them. I felt blatantly discriminated against based on how I was treated and how my partner ( a man ) was treated. By this point, I had also reached out to corporate PNC multiple times to see what could be done on their end. I was disregarded many times and no one took my case seriously. We finally were able to settle on a closing date of XX/XX/XXXX ( 38 days into contract ). On XX/XX/XXXX we received our first Closing Disclosure ( CD ) from PNC. The amount was incorrect and multiple line items were missing. We reached out to our LO who stated a final CD would be coming soon. We were not delivered a final CD until the evening of XX/XX/XXXX. The difference between what PNC is calling the " final '' CD and the CD delivered XX/XX/XXXX was over {$400.00}. We communicated with our LO on XX/XX/XXXX that we needed the final CD so as to have our cashier 's check made that day. He was noticeably angry with me and did absolutely nothing to help us. The banks were closed XX/XX/XXXX for holiday so we had to have a check made out based on the original CD sent. We had to write a personal check for over {$400.00} to cover some taxes that were line item left completely blank on the original CD. We did not know what our final closing costs were until approximately 15 hours to close. After closing, we filed a complaint through the XXXX. PNC and the person assigned to our case refused to respond to me or the XXXX. After nearly 2 months of long, drawn out responses they denied my claim. I provided email evidence ( emails between our LO, myself, and the title company ) of their violations yet they are continuing to lie about when the home went under contract ( they are stating it did not go under contract until XX/XX/XXXX when the process began ) as well as when the final CD was delivered. There is email evidence showing the LO asking for updates from the title company so that he could provide us with an updated CD less than 24 hours before closing. There is also email evidence of our realtor 's email stating the house went under contract XX/XX/XXXX. PNC is using their customer portal system as " evidence '' against our case. They are saying that we signed a final CD on XX/XX/XXXX, which we did sign a CD on XX/XX/XXXX, but it was not final and the amount was different than the amount we paid on XX/XX/XXXX.
Company Response:
State: KY
Zip: 40222
Submitted Via: Web
Date Sent: 2019-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have a XXXX balance maintained with automatic payments. The credit line is over 10 years old and secured. For two weeks I have been receiving automated calls with only two seconds of audio from PNC bank. Trying to log in online or call in results in a message my account access is suspended. Speaking to customer service only gets me directed to a physical location because the account was closed with a XXXX balance, zero transactions in six months, no notice and no authorization on my part. No one will explain why PNC decided to revoke my 10+ year old account, where my security deposit went, why it was closed without my consent or knowledge or how they can fix their error.
Company Response:
State: FL
Zip: 34748
Submitted Via: Web
Date Sent: 2019-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-28
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: The issue today is money ; specifically {$360.00}. This is the amount that I was unfairly charged by XXXX of XXXX in XXXX, Florida. Immediately after that charge was made, I went to a PNC branch in XXXX, FL to have it stopped. The employee there told me they stopped the charge. About two weeks later, another PNC Bank employee at a bank in XXXX, FL told me that PNC bank can not stop the charge but can put in a dispute. I gave PNC all the information they required. I heard absolutely nothing for the next few months. When I went to a branch, I was told nothing, I received no mail whatsoever, no text, no email, no nothing. PNC WAS TOLD NOTHING BEFORE XXXX BECAUSE THEY FAILED TO COMMUNICATE ANYTHING WITH ME DESPITE ME GOING INTO BRANCHES MULTIPLE TIMES. Much to my chagrin on XX/XX/2019, I was informed that PNC took back the credit and the reason was because I did not submit supplementary information. No one said anything about supplementary information. There were months full of chances to do that. Needless to say, I was an extreme financial emergency that day. I had a banker in XXXX get me the number for the corporate office and explained to them that I did not receive anything asking for more documentation and that it is ridiculous that here in 2019 with all the methods of communication that are available to us, PNC is still using the US Mail. I have placed at least half a dozen complaints with the postal service for lost, misdelivered, opened and misplaced mail.
Company Response:
State: GA
Zip: 30311
Submitted Via: Web
Date Sent: 2019-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-28
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: In XX/XX/2019, PNC mortgage broker XXXX XXXX ( Mortgage Loan Officer NMLS XXXX ) informed me a rate ( 3.125 % ) that is 0.125 % lower than the true rate ( 3.125 % ) in effect upon closing. She later admitted the mistake but said there was nothing that she can do. When I learned the true rate, it was too late for me to switch to another mortgage company because there was not enough time before the school year starts in XXXX. She also informed me of a lender 's credit in the amount of around {$1900.00} in early XXXX as a compensation, but that credit was later withdrawn by PNC without notice. She also informed me of a number for funds needed for closing which turned out to be deficient by {$12000.00}, which caused me great inconvenience in preparing for the closing funds on a short notice.
Company Response:
State: VA
Zip: 22101
Submitted Via: Web
Date Sent: 2019-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Hello, The credit card that I have never sent me any statement for a while therefore, I never got any notification about paying my bill till I got a letter saying that I owe {$27.00} late fee and {$3.00} in interest. I called the bank to sort it out but they said that they will file a complaint and get back to me. Weeks passed and I see another {$38.00} late fee and {$5.00} in interest added to my account. I call again and they mentioned that there were no complaints that were filed and nothing would happen. They said that they will submit another complaint and get back to me. Someone finally got back to me today telling me that I setup online statements on my own which never happened and they won't be able to refund the fees and I have to pay them. I asked to speak to a manager and they promised a call back but I got nothing. As of today, XX/XX/2019 XXXX XXXX, there is an amount of {$74.00} in fees in my account. I am afraid this will keep increasing with no resolution and dont really know who I should contact. I really never want to use this bank again due to the frustration that they cause to people. I am glad that I am not too old and have to deal with this as this may cause serious health issues to an elderly person. Please let me know if you need me to provide any proof or any other info.
Company Response:
State: WA
Zip: 98011
Submitted Via: Web
Date Sent: 2019-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-27
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On XX/XX/XXXX I went to the PNC Branch bank in XXXX XXXX, FL. I told the representative I needed to wire some money to a bank in XXXX XXXX, however it was to a US Account. I had some written instructions ( attached ) which I showed to her. She said I would have to have and ABA number to transfer to a US account and would need the recipients address. I left the bank that day to obtain the information. I asked the recipient for his address and if there was an ABA number. In hindsight, the PNC representative did not understand the meaning of a US Account with a XXXX Bank. I returned to the bank on XX/XX/XXXX with the information the representative requested. At that point I met with another representative. I gave her the same written instructions. She began the process, but had difficulty with what information to put in the computer. After a while the first representative I met with came into the office to assist. Neither of them ever called PNCs international wire phone number to ask questions or get assistance. After several tries of putting various combinations of data into the computer, they finally got it to go through The representative told me I could make the transfer in any currency I wanted. I was not sure, so I said XXXX pounds. In hindsight, she did not understand a US account with a XXXX bank either or she would not have asked me that question. She would have known just to do in in US dollars. She never advised me of any charges that could be expected by making the transfer in this manner. {$9400.00} was withdrawn from my bank account and {$8800.00} was deposited in the recipients account. Somewhere in fees, conversions, etc., I lost {$610.00}. I asked about the loss in PNCs secure message service. The bank representative who responded said she was filing a complaint. I asked how to get a copy of the transfer information and was given a telephone number to request it. I received the report ( attached ) which does not give me the information I was expecting. When I requested the report the PNC representative said they thought the large fees were because the money was converted twice. In summary, I feel the PNC representatives did not have the knowledge to make the transfer in the correct manner therefore costing me hundreds of dollars. They did not present useful information including fees, exchange rate and net funds to be delivered, before completing the transaction.
Company Response:
State: FL
Zip: 34202
Submitted Via: Web
Date Sent: 2019-08-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-26
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: PNC Acct info : Reserve - short-term savings XXXX - {$390.00} PNC says they will close my account - This is the acct that I use, this is my only acct - how will i pay my rent, how will i pay my bills, I tried to work things out with them but they refuse. Can you help I'm currently a XXXX and I have really tried to call, and speak with the reps, I've tried to email the manager - No response
Company Response:
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2019-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-26
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: On XX/XX/2019 my PNC credit card was given to the taxi driver to pay for ride. As I got out of the taxi I realized the card was not returned. I immediately contacted the bank to report it stolen as I saw a charge for XXXX rather than the XXXX which would have covered the cost of the taxi. I have contacted PNC several times and been transferred around from one department to the next. The I was told they could not do anything about this dispute and would not explain what steps were taken to attempt to resolve this matter. This clearly is fraud. The bank is refusing to help as their claim is my husband provided the card. The receipt was signed fraudulently by the vendor.
Company Response:
State: NC
Zip: 27527
Submitted Via: Web
Date Sent: 2019-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I asked for a refund for online exams purchased XX/XX/XXXX, totally in the amount fo XXXX , from the XXXX XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. The merchant emailed me with approval of the refund. I never received the refund in my PNC virtual wallet account. On XX/XX/XXXX I contacted the merchant via email with no response. On XX/XX/XXXX I sent another email to the merchant followed up with a phone call wherein the merchant denied having the funds of XXXX $ since having " process the refund request on XX/XX/XXXX ''. After waiting to deal with the merchant directly I was out of the 60 day window period that obligates PNC to deal with a transaction dispute. I filed an out of window dispute request with PNC anyway wherein PNC did not look over my case and simply said they would not approve the dispute because it was past the 60 day window. I filed this out of window request because it is out of window- there should be more consideration and reasoning as to deny the request than stating that it is out of the 60 day window. I do not believe PNC fulfilled its obligation to not facilitate fraud by allowing the merchant to fraudulently keep my XXXX $ via not looking at my case.
Company Response:
State: NY
Zip: 149XX
Submitted Via: Web
Date Sent: 2019-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-23
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: PNC Bank on XX/XX/XXXX charged my account with a {$36.00} overdraft fee after accepting a payment for {$150.00}. My account didn't have enough funds but PNC went through the payment and afterwards charged the {$36.00} fee. It is not the first time PNC has done this. It should be a simple rule ; if there is no enough funds in the account, do not accept the payment. I called on Tuesday, XX/XX/XXXX to ask them to reverse the fee and to ask them why they didn't reject the payment. It is just common sense. The representative on the other line gave me an excuse, which I know it is nonsense. She said that she will escalate it and that they will call me back. I told her if they are to call me to cal after XXXX XXXX. Nobody has called. I want the overdraft fee reverse. Banks are charging way too many fees. PNC charges me as well a monthly {$15.00} maintenance fee.
Company Response:
State: FL
Zip: 33431
Submitted Via: Web
Date Sent: 2019-08-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A