Date Received: 2019-08-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Mortgage is an adjustable rate subject to periodic changes in monthly payment amount ( +- ). Payment ( s ) have been made each month since XX/XX/XXXX. Payment amount scheduled to change for XX/XX/XXXX payment. No statement was received for XX/XX/XXXX and payment was submitted in the previous statement amount of {$320.00}. This resulted in short-payment of {$8.00}. PNC Bank retained this money ( payment ) without posting it as payment and then they generated a check on XX/XX/XXXX in the amount of {$320.00} that was returned as a short payment ( indicating they were unable to post a partial payment ). This check was received on XX/XX/XXXX and was immediately taken to the local PNC branch to make payment. Payment was made using the check generated by PNC and a cash payment of {$8.00}. Cashier indicated the account was paid current as of that transaction on XX/XX/XXXX. While applying for a loan with another bank, was informed that based on this transaction, PNC Bank generated a late payment report that was sent to the credit bureau ( s ). This " misinformation '' has negatively impacted our ability to apply for credit and be approved for prime rates. This needs to be corrected as soon as possible, since payment was made and not posted. As of this date, PNC has declined to correct this credit information. Obviously, this is a misrepresentation of what actually occurred. Clearly, the payment was made and not credited to the account, due to the {$8.00} difference. It defies logic that a financial institution does not have the capability to post an underpayment, or even an overpayment, but can retain the money until they see fit to return whatever amount it is and claim that payment was not received in a timely manner. I am XXXX years old and have NEVER, since I was XXXX years of age been late or defaulted on ANY credit agreement and I can not believe that PNC Bank is refusing to correct this misinformation.
Company Response:
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2019-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: I recently wired {$18000.00} from XXXX to PNC Bank account # XXXX XXXX # XXXX for purchase of a camper on XX/XX/19 at XXXX hours. This turned out to be a scam. I went to XXXX the next morning to request help and I was told there was nothing I could do the money was gone. I explained that PNC stated I could request a reversal of the wire transfer and was told by Mr. XXXX XXXX PNC Bank he would freeze the account. XXXX sent a request for reversal to the FedPayments Manager at XXXX hours on XX/XX/19. I was informed by Mr. XXXX XXXX that all claims to this account have been closed and PNC was unable to recoup any money. I have now been informed the money is not available to return by PNC Bank.
Company Response:
State: SC
Zip: 298XX
Submitted Via: Web
Date Sent: 2019-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX I made my payment for my home equity loan for XXXX. On XX/XX/XXXX I made my home equity loan payment for XXXX. The bank applied the payment I made on XX/XX/XXXX to the principal and not to the XXXX payment. They charged me a late fee for XXXX and applied my XXXX payment to XXXX, and my XXXX payment to XXXX. In XXXX, the bank manager at PNC Bank, XXXX XXXX, Maryland instructed me to make two payments, told me the late fees would be waived and that I would get {$150.00} ( the amount of my payments ) back within ten days. That was on XX/XX/2019. To date, I still have not received the {$150.00}. I have exhausted my attempts to contact the bank through phone calls, their XXXX page, and have now enlisted the assistance of any attorney. I am getting no responses.
Company Response:
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2019-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-14
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: PNC closed my account out of the blue on or near XX/XX/2019. I had applied and received a loan from XXXX for XXXX that I needed for car repairs on XX/XX/XXXX. This is a higher interest loan but I needed it badly. It was deposited into my account on XX/XX/XXXX. PNC closed my account without notice. They said they would send my balance ( the XXXX dollars that was direct deposited from XXXX ), within 10 days. Never received it. They sent a letter saying they would send my balance once all pending transaction cleared and settled. This was 2.5 months ago. I now am wayyyyyy behind on payments to XXXX and never even got access to my funds. PNC refuses to send my check for the balance they are STILL holding.
Company Response:
State: MO
Zip: 63026
Submitted Via: Web
Date Sent: 2019-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-13
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: The nature of the wrong doing is that the account I opened with PNC back in XXXX of 2016, XXXX XXXX, FL apparently has been given to someone else and that someone else created a fraudulent account for me about three years ago. The reason I say 3 is because that's when my ENTIRE online account changed and I was forced to create a new password. In conclusion, I logged in my Student Loan account to make a payment, and the only way to make a payment via online was by disclosing my Routing # : XXXX and Account number : XXXX. Upon making the payment of {$10.00}, I was given confirmation number : XXXX. Then I logged into my PNC online account and noticed that {$10.00} was not deducted, not even pending. So, I called PNC, and it could have been an Impersonator, either way, this woman had the nerves to say I can ONLY use my card online. That's a lie! Due to this crime is why I keep missing all my IRS deposits, or any credits. Credits get placed by a 3rd party ( ex-boss creating this crime ). To make a long winded story short, please make PNC CLOSE all fraudulent accounts and tie my Debit card to my Routing # and account #. In the past I have already told XXXX from Client Relations to fix this problem, XXXX XXXX ) XXXX ; and Ms. XXXX ( XXXX ) XXXX to fix this problem. This is a crime. How can my account be given to my exboss and his mistress behind my back? The transaction went through without a problem because it's a LEGAL way of paying for something. I've done this in the past with other banks. Again, please have them correct this wrong doing once and for all. And for the record, I'm not in jail or confinement. Never have and never will.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On our mortgage fell below the 78 % required for automatic removal of PMI approximately XX/XX/2019 as required within the Homeowners Protection Act. We have contact PNC to remove the PMI, however this has still not occurred. When we contacted PNC they stated we would receive a response with 10-15 days. It has been over that time frame. We received an additional letter dated XX/XX/XXXXwhich stated we would receive another response within 5 business days. We have still not heard anything related to the removal of PMI, we have spent over 2 hours on hold and nothing has been resolved.
Company Response:
State: MI
Zip: 48152
Submitted Via: Web
Date Sent: 2019-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: My name is XXXX. I came to XXXX in XX/XX/XXXX. I had worked in XXXX XXXX as XXXX XXXX in XXXX XXXX for more than 25 years. I retired early and my income relies on rentals from rental properties. Since XX/XX/XXXX, I use PNC Bank for my primary banking including checking, saving, and home equity loan. In the last 10 years, I always go to the branch at XXXX, PA. I could never have imagined this could happen to me. The misrepresentation by PNC Bank resulted in {$65000.00} loss. I have been trying to communicate with PNC about this issue but PNC bank is no longer responding. The pain is so severe for me to endure that I have to file this complaint and seek help from Consumer Financial Protection Bureau. Targeted by a scammer on XX/XX/XXXX : In the morning of XX/XX/XXXX, I received a call from XXXX saying I had an unclaimed package at XXXX XXXX. Since I just returned an online ordered dress recently, I pressed 9 for a Customer Service Representative. The phone was transferred to a police officer, XXXX from XXXX XXXX at XXXX XXXX XXXX XXXX ( showing his ID through XXXX, a message and social medial app ). He claimed that he is investigating 5 fake US passports in the package that associated with an investment fraud I organized. All victims lose their money. One of victims who cant bear the loss so she jumped off a building and died. He showed me the Arrest Warrant issued by XXXX Government with my name on it. I was terrified by the brutal death and potential criminal charges that could ruin my life. To prove I am innocent and this is an identify theft, I started to communicate with the Officer XXXX with supporting documents to show my creditability. Next day XX/XX/XXXX, the Officer XXXX demanded a private hearing scheduled on XX/XX/XXXX with two XXXX investigators coming from XXXX and one US official from ICE ( U.S. Department of Homeland Security Immigration and Customs Enforcement ). He demanded {$65000.00} on parole for this private hearing. If investigation determined that I was innocent, the money will be returned to my PNC bank account. Initially I was hesitate to send money over. He then threaten me that if I am not cooperative, the XXXX government will order bank account freeze under XXXX-US treaty agreement. After hearing that I deeply worried that my rental business could be in jeopardy if all my accounts were being frozen. Wire Transfer at PNC Bank I have never wired money outside US including XXXX and did not even know if PNC bank was capable to wire the money to XXXX. I went to PNC branch at XXXX, PA for consultation and met the representative, XXXX XXXX I asked him how safe this international wire transfer would be. XXXX explained how XXXX XXXX works. Fund will be verified through XXXX XXXX first before it is deposited to the recipient bank. If I wired money today ( XX/XX/XXXX ), the Date Available for the recipient would be on XX/XX/XXXX. Since the hearing date was scheduled on XX/XX/XXXX and Data Available of fund to the recipient is on XX/XX/XXXX, the recipient would not be able to pick up the money even after the private hearing is over. I felt it was safe to wire the money to the XXXX XXXX XXXX ( XXXX XXXX XXXX ) so I can start to work with the XXXX government for this investigation and avoid my accounts being frozen. XXXX also pointed out the wire instruction I had is lacking the recipients home address. I greatly appreciated his advice and stepped out the branch. I contacted the Officer XXXX again to confirm the hearing date to be on XX/XX/XXXX and also obtained the recipients home address. The Officer XXXX warned me that I must keep this investigation confidential because anyone who is interacting with me is subject to this investigation. I returned to the branch and showed XXXX the information he needed. XXXX also asked me the purpose of this transfer. Under the fear I cant tell him the truth. Seeing my hesitation, XXXX suggested you just needed to put down something, how about helping family member with purchasing a house. I appreciated his help and agreed to put down this as the purpose. I signed the International Transfer Agreement. XXXX processed the wire transfer of {$65000.00} from my checking account at XXXX XXXX on XX/XX/XXXX. He also printed out the Receipt for me, see Attachment. I saw Data Available was clearly stated as XX/XX/XXXX ( 10 days from wiring transfer day ) then I left the branch. Rescue the Fund : After the money was wired, my fears went away. In the evening when I followed up with the Officer XXXX for the location of hearing, I found out he was not able to provide it. Suddenly I felt unease and started to question the validity of the whole story. I called PNC bank immediately just want to stop the transfer. Unfortunately the bank was closed for the day and will reopen at XXXX XXXX next morning. I stay awake whole night under tremendous stress. I called PNC customer service at XXXX XXXX next day and reported this wire fraud to a customer service representative ( name was not written down ). She said the wire department will not open until XXXX XXXX While waiting, this representative filed a Security Incident Alert Report ( reference no. XXXX ). She ensured me that someone from PNC Security Department will contact me within 24-48 hours. At XXXX XXXX, I called wire transfer department at PNC, the representative XXXX XXXX picked up the phone. I explained the situation and asked her to send a recall request with warning of wire fraud to XXXX XXXX XXXX ( XXXX XXXX XXXX ). I mentioned that I had already filed a Security Incident Alert Report with PNC. She processed the recall request while we were on the phone. I mentioned the chance to get money back would be high because the Data Available was on XX/XX/XXXX ( 9 days from now ) and the money was just wired less than 24 hours ago ). To my surprise, XXXX said once the money went into the XXXX XXXX, PNC will have no control when the money will be picked up by the recipient. I was shocked with disbelief and very scared. Right before I hung up the phone with her, I double checked with her to make sure she had included an alert statement of wire fraud in the recall request. She ensured me that she added that statement in the Comment section of the recall request. After hung up the phone with XXXX, I immediately went to the PNC branch at XXXX and met XXXX again. I told him this was a wire fraud and I had requested a recall. XXXX checked the Receipt of wire transfer and pointed out Date Available to the recipient was on XX/XX/XXXX. He ensured me that I should be able to get money back. He printed out the recall statement created by XXXX for me. Although I got two different versions on Data Available from XXXX and XXXX, I did not want to take a chance. I stepped out the branch and called XXXX right the way. The local policeman cant do anything except filing a police report # XXXX. I called PA Trooper but no help was offered. I called FBI. I was instructed to file an IC3 Complaint Referral Form online. At XXXX XXXX, shortly after I filed, I received a call from a local FBI agent, XXXX XXXX. He told me that he had already forward the form I filed to US FBI Headquarter. HQ will contact XXXX XXXX XXXX ( XXXX XXXX, XXXX ). If money is still in the Federal Reserve system, Federal Reserve can freeze the fund. While I was trying to rescue the fund, the Officer XXXX contacted me 7 times through XXXX from XXXX XXXX to XXXXXXXX XXXX to check the payment status. I was also keeping communication line open with him in order to sense his movements. At XXXX XXXX, he contacted me the last time saying that the fund has been returned to my PNC account at XXXX XXXX because he considered that I was not willing to attend the investigational hearing. He had forwarded the order of bank account freeze issued by XXXX XXXX to my email ( all lies ). I assumed that he had successfully picked up the wired money at XXXX XXXX, 7 hours after I requested the recall. Loss Confirmed : In the morning of XX/XX/XXXX, XXXX XXXX from FBI called me and confirmed that a FBI agent at XXXX XXXX immediately went to the XXXX XXXX XXXX at XXXX XXXX after receiving the notification from US Headquarter but the money had already been picked up by the recipient. I was so devastating beyond measure. I called XXXX at PNC and told him my wired money was gone. I questioned the term of Date Available on XX/XX/XXXX. After consulting his supervisor, XXXX came back with a new interpretation it means the fund will be guaranteed after XX/XX/XXXX but it can also be available before XX/XX/XXXX. I was so upset after hearing this cover-up. I then reviewed the recall statement generated by XXXX and found out that she did not include the warning of wire fraud statement in the Comment section as she promised, see Attachment. There is no proof that XXXX XXXX XXXX ( XXXX XXXX XXXX ) had received the recall request from PNC Bank. The Safety Alert Department in PNC never contacted me. Complaint Reported to PNC : After no further response from XXXX XXXX from the branch office of PNC, I called PNC Bank at XXXX on XX/XX/XXXX and reported this complaint. After the third transfer, my case was escalated to the Executive Relationship Manager, XXXX XXXX at PNC Bank. XXXX contacted me by phone and promised to investigate this case including trying to contact XXXX XXXX XXXX ( XXXX XXXX XXXX ). XXXX was not able to find information on the Security Incident Alert Report in the system. Since that phone call, XXXX has not communicated with me despite of my follow up email and phone calls even though she was working in the office.
Company Response:
State: PA
Zip: 19002
Submitted Via: Web
Date Sent: 2019-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have continually complained about the theft of my home by the mortgage company with little to no success, and they're counting on my ignorance and lack of money to keep me from succeeding! See I aquired my home thru survivorship rights after my companion passed away and he aquired it thru a trust. However, by the time it had gotten to me it was no longer in that trust. Immediately the mortgage company quit talking to me about everything except to say I needed to either become the administrator or the executor. They would not talk to me at all about the loan, how much I owed, or even whether or not they were getting my faxes proving ownership and affidavids of death. For 5yrs they accepted my monthly personal checks while doing their best to foreclose. I faced 3 foreclosure attempts and even had the government program " Keep Your Home California '' try to help me on two separate occasions, but we're denied both times because I wasn't the original borrower. They finally resorted to returning my mortgage payment saying it wasn't enough to cover my default ( which I was not in ) and had their substitute trustees foreclose on me even though neither of them had ever even talked to me and the many hardship packets they had me fill out went unapproved for no reason. I finally got their attention when I complained to this website and they agreed to pay me {$25000.00} to withdraw that complaint. However they did not keep their end of the agreement, and I never withdrew the complaint. Now I want to know what they plan to do about replacing my home! The {$25000.00} was just to make up for what they assumed I had paid in mortgage payments since I had aquired the home, and to help me since I had been homeless for several months, but what about the loss of my home, my stability, and my life??? And what about the fact that they have never even once proved they owed that loan or that it hadn't been paid off when the original borrower died??? They willfully and purposefully put me thru XXXX on a daily basis!!! I never really got the chance to morn my companion but instead spent every waking hour trying to figure out how to keep my home knowing they were just waiting for any excuse to take it ... They have crushed my very existence as if I had never even mattered and all for what? Money??? My home was worth {$160000.00} and I only owed approximately {$32000.00}. I paid my mortgage monthly doing the best that I could to be on time. They even sent my late fee 's back regularly saying I had overpaid, so I don't understand what the XXXX happened or why they were so against treating me with the respect they should have!!! And now they're trying to brush this whole incident asside saying we came to an agreement and they paid me off??? Seriously??? I will forever be without my home and thanks to the abuse I've endured I have been unable to get a job for the last 4-5 years, and I have been denied social security several times now. They should not be allowed to continue to business this way or to treat their customers so badly!!!
Company Response:
State: CA
Zip: 960XX
Submitted Via: Web
Date Sent: 2019-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-10
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I took a car loan with PNC Bank when I purchased my XXXX XXXX XXXX last year. Payments are due on the XX/XX/XXXX, but I have up to XX/XX/XXXX to pay without a late fee. Given the timing of payroll at my employer, it is more convenient for me to pay closer to the end of the grace period ( i.e. the XX/XX/XXXX of every month ). I have communicated this to the bank verbally, and thru their social media. I pay more than the minimum every month. I have requested that they stop calling me, and went as far as contacting them by phone, thru social media and even a " snail mail '' letter as is their procedure. The calls have continued. Again, I make payment every month and my credit score continues to go up. This amounts to harrassment from this bank and I want it to stop.
Company Response:
State: FL
Zip: 33142
Submitted Via: Web
Date Sent: 2019-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-08
Issue: Other service problem
Subissue:
Consumer Complaint: My name is XXXX XXXX and on XX/XX/19, I went into the PNC Bank branch at XXXX XXXX, XXXX, XXXX, DE XXXX. I wanted to do a {$25000.00} cash advance from my XXXX XXXX XXXX account into my PNC account so that I could wire funds to XXXX internationally same day ( XXXX XXXX does not offer wire services ). I sat with VP branch manager XXXX who would assist me in completing this task. I clearly explained to her what I was trying to do and she proceeded with gathering information. I gave her my debit card which is needed to do the cash advance. XXXX looked and noticed I did not sign my debit card and that procedure requires them to do next level verification. At that exact point is where i started to feel very uncomfortable and felt the discrimnation started. She took my debit card and said she needed to check something and left me at her desk for 15 minutes. When she came back, she asked me about a {$25000.00} return that occured on my PNC account. I explained that originally I tried to do the $ XXXX eletronically but accidently put the sender of the money as PNC which PNC should have been the receiver. I have been with PNC for over 10 years btw. The stares she was giving me and the manner in which the questions were being asked made me feel very uncomfortable and made me feel like she already made her decision in not helping me. After making copy of my debit card and driver license, she sent me on my way and said that she will call a verification number to further verify if it was ok to proceed with the cash advance. I left the building at probably XXXX and called XXXX back around XXXX and asked if she called the verification number and she advised no and that she will not be helping me do the cash advance. There was no real reason as to why she would not help me with the cash advance which leads me to believe this was a discrimnation situation due to my race. Like i mention earlier, I felt very uncomfortable in the manner in which the questions were asked, the stares and the fact that she never tried in going thru the proper channels to assist me. This ended up being very inconvinnient and delayed the wire transferring. I eventually was able to do it the following week at a different branch and felt welcomed at that different branch. This is unfair for a bank corporation like PNC to discriminate against a long time customer and I would like my voice to be heard.
Company Response:
State: DE
Zip: 19977
Submitted Via: Web
Date Sent: 2019-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A