Date Received: 2019-08-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: So my first complaint is closed that the company responded. Unfortunately I still need help as the agent they assigned to me dropped the ball. He left me a voice mail on XX/XX/XXXX that he was leaving on vacation and needed more time to research. He then neglected to return any of my calls until XX/XX/XXXX. on XXXX I logged in and see his letter in regards to the payments lost. This agent uses the words " claimed '' to refer to me as if I am lying and states they received my payments in XX/XX/XXXX. That is very clear as that is when I finally made the payments for the back months that PNC couldn't find from the online bill pay done my bank that came out of my account that they could never find. After 90 days of trying to remedy the situation I finally called my bank and had them research and cancel all 3 payments so I could do a check over the phone to catch the account up. I was charged multiple fees and this resulted in negative credit reporting. The agent never got back to me and I know that are notes on the account of me trying to remedy that solution. My credit was marked with a 30 day late and a 60 day late. This holds me XXXX to PNC as I can't refinance my mortgage with a competent bank until I have 12 months of no late payments. The first issue was the condo policy insurance that happened every year and he references in his claim that renewal documentation wasn't in time during XXXX. Well I am not surprised that is exactly what I told him the years of previous insurance issues were from. The HOA will not provide to the mortgage company, PNC never sends the request to me for the insurance to provide, they only notify the HOA and I am never notified until I show up as making a partial payment and then provide the insurance -- -every year this results in fees and typically a 30 day late. They did not remedy the situation, in fact the agent went on vacation and closed this out. I never got the follow up needed. Please help me in holding PNC to the federal regulations that they are required to abide by.
Company Response:
State: CA
Zip: 94521
Submitted Via: Web
Date Sent: 2019-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-02
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/2019, three separate PNC checking accounts were opened fraudulently in my name and fraudulent checks were deposited. Those accounts were subsequently closed by PNC bank and PNC bank proceeded to report the fraudulent activity to XXXX XXXX XXXX as fraud on my part and not the act of fraud by deception and/or identity theft from a third-party.
Company Response:
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2019-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-01
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/XXXX - I placed ad in XXXX for selling my home items - bed set, mattress, sofa couch, tables and chairs - altogether it was XXXX USD Person introduced with name " XXXX '' he is ready to purchase all home items mentioned in the ad total for XXXX USD - he is moving to XXXX and he want to stock this items with movers company to pick up over the weekend. He informed me that XXXX USD cheque send to my home address, balance of XXXX USD to be given as cash to the mover company who is coming to my house over weekend to pick up the household items. So I believed this was not scam because someone will come to my home with pick up then i need to give for cash ( XXXX XXXX that did not happen else i would have lost all my home items with more money transferred to scam ) he said he is in XXXX business trip and he will not able to come to pick up so he arranged movers company But what happen was day before that weekend he called and said movers company is troubling him to get money transferred to their account because of truck gas, transport charges they do not need cash in hand. they committed to arrive XXXX XXXX on Sunday - he request to do transfer through PNC mobile banking - XXXX XXXX I never used XXXX and asked 1000 times to him that it looks if you lost money and my home items - it is bad for both of us he said those are known movers company - he requested me to transfer XXXX USD which was his balance to his XXXX account email address " XXXX '' I did received scam check on XX/XX/XXXX Tracking number XXXX from USPS - check amount XXXX USD He asked me to do " The check is written in {$1400.00} you would deduct your own and give remaining amount to the movers once they get to your place for pickup you would help me to give the movers {$1100.00} '' - I believed this words 100 % Once the check send to my mail - he called 3 times in XXXX on same day XX/XX/XXXX and explaining about XXXX - he said mover is going out of town and so he said to get money transfer to his XXXX account so he can arrange for pick up soon - I believe this explanation - bad time here - he also asked for XXXX XXXX with below details Name : XXXX XXXX XXXX : XXXX Zip code : XXXX State : New York XXXX XXXX somehow I registered PNC mobile banking with XXXX - he said his friend who moved to XXXX has given the movers details - email address asked to transfer " XXXX '' I did registered for XXXX through PNC mobile banking and did below transaction on XX/XX/XXXX for below transaction in XXXX XX/XX/XXXX - {$1.00} - Transaction sent to XXXX XXXX with Transaction ID XXXXXXXX XX/XX/XXXX - {$990.00} - Transaction sent to XXXX XXXX with Transaction ID XXXXXXXX XX/XX/XXXX - {$150.00} - Transaction sent to XXXX XXXX with Transaction ID XXXX Scam person with below details contacted through XXXX and phone call Name XXXX XXXX XXXX number XXXX ( XXXX ) XXXX - text messages mobile number XXXX XXXX XXXX XXXX - used to receive phone calls Scam cheque send tagged to the below address with bank details as below XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, TX XXXX ; Contact based on my investigation XXXX I went to PNC and complained to high level department but they registered my case with PNC escalation complaint number XXXX XXXX XXXX XXXX PNC did not help in this case Please looking for your suitable guidance and firm punishment for this type of scam person - I have XXXX year old son i'm in need of my money which went as fraud transfer I really need of my money all this happen because of agree for cash in hand then all of sudden he moved to XXXX ( which is mistake i did ) Please read my case and consider my request to help me
Company Response:
State: KY
Zip: 40220
Submitted Via: Web
Date Sent: 2019-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had a direct deposit made on XX/XX/XXXX for $XXXX. The morning of XX/XX/XXXX, I used my debit card for miscellaneous items and I made a $XXXX cash withdrawal at a PNC bank branch. PNC bank froze the deposit sometime before XXXX XX/XX/XXXX. At a separate branch, I was told the funds wouldn’t actually be released until XX/XX/XXXX. On XX/XX/XXXX the funds were not released. After speaking with several different representatives on the phone, I was told: 1) the fraud department froze it 2) the funds are being held for verification that would take 5-7 days even though it was a direct deposit 3) that the check that was deposited was not endorsed
Company Response:
State: AL
Zip: 35226
Submitted Via: Web
Date Sent: 2019-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-31
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, I received an email from who I thought was PNC Bank asking for me to update my security questions. On XX/XX/XXXX, I had stopped at a XXXX to get food and my card was declined. I didnt understand why, I knew I had the money on the account. I tried to login to Online Banking on the app and website, and it didnt allow me too. So, I decided to call the bank and they told me that my account was overdrawn. They had told me that I needed to visit a PNC Branch to find out more information. Later that day, when I was able to get into a Branch, they had told me that somebody had disputed a transaction for {$1000.00} and had XXXX it to a person named XXXX XXXX. They then continued to say that I was part of a scam. The lady who was helping me with the situation, told me that I had to pay the negative balance off. She even said they have decided to close the account and end my relationship with them. I was beyond confused and extremely upset that this happened to me. She said that was all that they could do. I then decided I didnt want to stop there, so I made an appointment at another PNC Branch to discuss with someone different. The lady I met with, was more helpful than the first, she tried her best to help me in this situation, but the bank still declined to help me with my problem. I had bills that were going out on the 1st and all of those bills bounced. For the past month, I have been trying to get PNC to understand the situation and it seems like they dont care at all. They did an investigation, but decided that they cant do anything more. They have decided to close the account and are forcing me to pay back the {$1000.00} + fees that came with my bills being declined. I would like answers and I would like a reasonable explanation on why I should have to pay back the money. Please help me.
Company Response:
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2019-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-30
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: PNC Bank - We have banked with the same bank for several decades. About five years ago we obtained a home equity line of credit from PNC Bank. Recently, my husband and I requested an increase to our home equity line of credit because we were looking to purchase and move to a new primary residence. A couple years ago, my husband and I purchased a small house as a rental property. We also purchased a tiny condo up north around the same time. Both of these purchases were cash purchases. Now, we are trying to obtain a mortgage for a portion of the new primary residence that we intend to buy ( until we are able to sell our primary residence ). PNC has repeatedly asked for more and more documentation from us. ( more pay stubs, IRA account statements, insurance on all the dwellings, closing documents for purchase of the other properties, etc. ) Our loan officer at PNC recently went on medical leave. They claimed that they couldn't find much of the documentation that we already sent, so we sent it again. Now they are asking for the Master Deed for the COMPLEX where our condo is located. It just seems like they are asking for documents that are inappropriate for the size of the loan that we are taking out. ( Our IRAs would more than cover the entire cost of the loan amount ). They told us yesterday that we probably won't make our closing date which is three weeks away. We started this process a month and a half ago! We told them that we are thinking of not borrowing at all from PNC Bank.
Company Response:
State: MI
Zip: 48187
Submitted Via: Web
Date Sent: 2019-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-30
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: PNC offered a sign up bonus after {$2000.00} Direct deposit and 10 debit transactions. PNC notified me that several deposits were direct deposits. I thought I met the requirements until the end of the promotional period when they refused to honor their offer.
Company Response:
State: VA
Zip: 23228
Submitted Via: Web
Date Sent: 2019-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-25
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: After calling PNC Bank, as well as speaking to them via their live chat online, they have refused to provide me with provisional credits to all the disputes I have filed. This has caused my bank account to get below {$1.00} total in it. Since I am not being paid until the XXXX of XXXX, I will have to no money for gas, to eat, or to pay bills due to PNC Bank not providing provisional credits.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2019-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Company Response:
State: GA
Zip: 30046
Submitted Via: Web
Date Sent: 2019-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-24
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/XXXX I was having an issue paying my auto-loan online due on XX/XX/XXXX so I was late on the first month because I wanted to pay online and needed to take time out of work to call in and inquire why, I called in and there was a technical issue with account linking, so I paid on the phone and I thought the account link issue was fixed. My second payment ( due on XX/XX/XXXX ) I tried to pay on time but again I could not pay it online so fell 1 day late. After PNC debt collector calls me I told them about the issue of paying online, so they transferred me to the online department. They informed me that payment of auto loans is not available via mobile app, only available on the website. The debt collector and the website said that {$760.00} was due but that was a fraudulent amount because that included next month, there is no reason but FRAUDULENT BUSINESS PRACTICE to tell me both on the phone and on the website that NEXT MONTH IS DUE. I actually paid the {$760.00} amount online because this is a new auto-loan and I didn't know the actual amount of the payment and didn't want to under pay or waste more time on the phone with PNC. These banks will charge me $ 35+ if I make a mistake however they make multiple mistakes and there is no recourse. I asked for monetary compensation for the fiasco on XX/XX/XXXX and this is what I received from PNC on XX/XX/XXXX : XX/XX/XXXX Message : Dear XXXX, Thank you for contacting us through the Secured Message Center! I am sorry for any difficulty in making those payments. The total due shows for the higher amount because it is accounting for the next months charges. Only {$370.00} is due however, as of XX/XX/XXXX. While we would be unable to provide a monetary compensation, we can provide some help in ensuring payments are made and on time with methods such as auto pay or using the online transfer funds tool to set recurring payments manually. Please reply if you will like some additional information on those options. If there are any other questions or concerns, you may contact us using the chat button below, or by phone at XXXX / XXXX. We are available XXXX XXXX to XXXX XXXX EST M-F, and XXXX XXXX to XXXX XXXX on weekends. Please remember that PNC is also available via XXXX, XXXX and XXXX, XXXX XXXX to XXXX EST 7 days a week. Thank you for choosing PNC Bank! Sincerely, XXXX XXXX PNC Bank
Company Response:
State: GA
Zip: 30041
Submitted Via: Web
Date Sent: 2019-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A