Date Received: 2019-06-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, I momentarily lost my phone during the process of renovating my house, and they were many people at my home at the time ( different contractors, electricians, plumbers etc ). After relocating the phone about an hour later, I checked and noticed that there was some unusual activities noticeably with my XXXX account, which is linked to my debit card. In essence a person used my debit card information without my prior approval. After I retrieved my phone, I noticed that there was a transaction of XXXX made to an individual listed as " XXXX XXXX. '' I not only was a victim of Identity theft but my debit card information was momentarily stolen and unauthorized transactions was made. As soon as I realized the error, the first thing that I did was contact my financial institution. My first grievance with PNC bank was that they failed to stop the payment from going through even though the transaction was still pending. I notified them that my information was comprised and although they replaced my debit card the transaction was allowed to happen. My account was never frozen. When I spoke with a PNC representative about the matter, and why is the transaction was not canceled after I made it known that my card information was stolen, she said with the " third party company 'XXXX ', the item has to post before PNC bank can do anything about it '' ; thus violating my protecting under the Electronic Fund transfer Act.The company 's decision to not intervene and allow the unauthorized purchase to go through left me with an undue burden/hardship due to the large amount of money that was processed. My financial institution, PNC bank, opened a report and did an investigation. They are now denying my request because the transaction was made through a third party ( XXXX ). I am disputing this matter because under the Electronic Funds Transfer Act, I am afforded protection if I am a victim of identity theft or if my debit card number is stolen and an unauthorized transaction was made, al of which pertains to my situation. I also have reasons to believe that the financial institution did not take into full account the circumstances of the fraudulent transaction or that a thorough investigation was made since I was told during my phone conversation with an associate on XX/XX/XXXX around XXXX that " XXXX disputes are routinely denied. '' This was not simply a routine XXXX transaction as my identity was stolen and an individual used my information without my knowledge or approval and made transactions on my behalf with a stolen debit card information. Furthermore, my dispute determination was dated XX/XX/2019 which was beyond the 45 days in which the financial institution has to mail me a determination as I made them aware of the situation and opened up a dispute on XX/XX/2019. I was not afforded the protection that I am guaranteed as a consumer nor was my investigation conducted in the time frame allotted.
Company Response:
State: PA
Zip: 15068
Submitted Via: Web
Date Sent: 2019-06-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-22
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I tried calling my bank and pleading with them. I let them know that i loss my job and the fees that they are piling up it might cause me to be unable to pay my rent. After pleading they said that there was nothing they could do. But i know they can help. I'm asking right now if you can assist me please with asking them to return those overdraft fees that they keep placing everyday into my account
Company Response:
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2019-06-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was several months late on my loan payment to PNC, then brought it up to current. They incorrectly applied my payment to the principal instead of to bringing the account current. I have now incurred : - an unknown amount of interest and late fees that I should not have been charged. - at least two months of false information being reported to the credit bureaus due to this bank 's error. I asked the bank to handle it. I talked to an assistant manager in person at a branch. I was told they have a team just for these kinds of problems and that I would be called within 24-48 hours. The week has now ended with no contact or followup. I have no confidence that they understand what they did wrong or that they will correct it in a timely manner. My credit is ruined, and I can't refinance the loan with another company that will charge me less interest, and they know this, and they have a massive incentive not to fix it quickly. PNC also refuses to show me a detailed breakdown of how much interest i have been charged, how much late fees I have been charged. This information is not availbe on their website and the bank refuses to provide it in person. How is this legal?
Company Response:
State: OH
Zip: 43537
Submitted Via: Web
Date Sent: 2019-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My husband and I are being harassed by PNC Banks Mortgage Department. Initially, this was over a property tax bill that was due XX/XX/2019. Although we consistently pay our property taxes early or by the XX/XX/XXXXof the month due, that payment was made on the XX/XX/XXXXand cleared on the XX/XX/XXXXWELL WITHIN the XXXX XXXX XXXX XXXX 10 day grace period. This occurred because my XXXX mom had become ill and was ultimately hospitalized with double XXXX. Despite flying to Florida in a panic to be by her side, I still managed to pay my property taxes on-time ( according to my Town ) and even remembered to add the {$8.00} addt school tax that was added after the XX/XX/XXXXelection. The first letter we received from PNC Bank was dated XX/XX/XXXX. It stated there may be delinquent taxes on our property and warned us that unless our taxes were brought current, PNC had the right to create a mandatory escrow account for us that would then remain in effect for the life of the loan. I immediately called PNC, then our Towns Tax Office and was told we had a XXXX balance due and were never delinquent. I assumed all was good, until we received a second notice dated XX/XX/2019. This document stated we had an outstanding a balance of {$8.00}. ( The {$8.00} additional tax bill PLUS interest ) and that it had to be paid off immediately to avoid an escrow account being establish on our behalf. I immediately called the XXXX XXXX XXXX Tax Office again. I was told although my regular tax bill cleared on time, I had forgotten to include the {$8.00} that quarter. However, because the XXXX XXXX residents were unaccustomed to adding the extra tax bill and because it was such a small amount, our tax office had written off that amount. Once again, I was told we had a XXXX balance due. On XX/XX/XXXX I went to speak my local PNC Bank Manager, XXXX XXXX in XXXX, NJ. He made copies of my paperwork and assured me that I would hear from his Supervisor, XXXX within 48 hours. I left my cell phone number because I always have my phone with me and I did not want to miss her call. Its been 8 days and I have not heard a word. I called the XXXX Branch again this morning, leaving a message for the Bank Manager. Despite being told he would be given the message within 15 minutes, that was at least 4 hours ago and Im still waiting for a call back. I deposited money money in PNC and decided to move our mortgage in part because I believed they were a different hometown type bank that really cared about the people who banked with them. Ive lost tremendous faith in this bank over the harassment we had to deal with. They appear to be using any excuse possible ( even if not valid ) to force an escrow account on us. We pay over {$9000.00} a year in interest to this bank for our mortgage. We pay our mortgage payments and property taxes on time yet they are harassing us ... first over a few days ( even though our town allows 10 days ) and then over {$8.00} ( even though our town 's tax office we do not even owe ).
Company Response:
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2019-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-21
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX XXXX XXXX XXXX XXXX was set up by my then husband for during my Life-Time, till upon my death. Then the Trust would be divided equally into 3 Charities. On XX/XX/XXXX I had received a letter from the Assistant Vice President, Fiduciary Advisor stating the Life Time Trust on XX/XX/XXXX terminate/exhaust with a partial payment at the end of the month. This giving me not much more than 6 months to find out how and what has happened during the years that the Trust was handled for again this was a Life Time Trust. The PNC XXXX XXXX handle the XXXX. I have called numerous XXXX, XXXX, sent letters to XXXX, XXXX and Government agencies, waiting as of this moment for replies back for guidance to handle this situation. Also I had contacted PNC Asset Management nothing had or makes since. Called one of the Charities with no answers. At this point after a few calls now if I would like I was asked if I would like to speak to their attorney. PNC has opened a Irrevocable XXXX XXXX XXXX without my knowledge or consent the effective date of the statement on my personal account it was XX/XX/XXXX. Since then month after month statements keep appearing on my Personal Banking Account. How can anyone open a account without your knowledge, then keep adding statements of past years. Each month since the letter from XX/XX/XXXX that the Trust will exhaust in XX/XX/XXXX I have been receiving statements in the mail as well of how the funds are invested and the balance of the account. During the past 20 years I have not received one statement, no communication From PNC stating any transactions or that the Trust would exhaust. There were no communication at all. The only paperwork that I did receive was the XXXX end of the year form and the Remittance Form of Deposit of the monthly income. I have been trying to resolve this issue. I am seeking guidance in this matter if possible. This is my life income and now somehow it is gone.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-21
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: My bank is PNC bank over the course from XXXX of this year to XXXX they have reversed credits they gave me while doing investigations on fraudulent activities. Upon further investigation of my own looking at my bank statements.The bank has deducted over {$900.00} worth of fees ( their wording reversals ) too many! Some of the charges were duplicated and even tripled! When I asked for proof of documentation by a representative of how these fees are valid I was told they would get back to me and they have yet to do so! My phone wont let me download more pictures but I have more evidence to support my statement.
Company Response:
State: NC
Zip: 27534
Submitted Via: Web
Date Sent: 2019-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX someone without my permission or consent opened an account with PNC bank depositing {$250.00} into the country the same day. As soon as I recived the letter in the mail I contacted PNC and they closed the account and started an investigation. On XXXX XXXX an account was made with XXXX XXXX XXXX in my name they deposited {$44.00} into the saving a account and the same day transferred the money to XXXX.
Company Response:
State: NC
Zip: 27104
Submitted Via: Web
Date Sent: 2019-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-19
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/2019, I requested information in person at a bank branch of PNC Bank in XXXX XXXX, IL. I have a Money Market account with approx. {$6100.00} balance. This was my mother 's account until she died in XX/XX/XXXX. It is a joint account, and I am now trying to manage the funds after her death as she would have wished. On XX/XX/XXXX I turned in her Death Certificate to this branch, and I returned on the XX/XX/XXXXfor further information. All I was asking for was the account information ( minimum balance, fee structure, etc. ) and current interest rates. They refused to provide the interest rates in writing per my request. The manager stated that he would tell me the rates verbally, but would not provide them in writing. They also did not provide the basic account information until I demanded it three times. They wanted to go over it verbally with me or show me on a screen. My understanding is that account interest rates are a matter of consumer protection -- honesty, clarity, and transparency being the goal. The manager smiled and acted as if what I was requesting was rather ridiculous- current interest rates in writing. He said that they change frequently. I have the document provided me in which all of the interest rate amounts are filled in with X 's instead of numbers.
Company Response:
State: IL
Zip: 60134
Submitted Via: Web
Date Sent: 2019-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-19
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/2019 I went to a XXXX XXXX ATM to withdraws {$20.00}, and was charged {$3.00}, these ATMs are free and do not charge {$3.00} fees to split with banks or credit union users, this made my account less than {$3.00} in the negative. PNC has charged overdraft fees of {$72.00} Do fat. Please fix this, add me in any lawsuits formal or informal?
Company Response:
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2019-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-19
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: In XX/XX/XXXX I applied for a HELOC with PNC Bank. During the time of closing I was provided omitted and confusing financing information by the loan officer XXXX XXXX ( sp ). 1. We considered an adjustable rate vs a fixed rate HELOC. We were also considering a first mortgage on a home that was paid fully in cash for {$410000.00}. 2. It was fully discussed with Mrs. XXXX that we needed to remove {$240000.00} to place back into a IRA for tax purposes but planned on paying this loan off in two years due to tax considerations. Mrs. XXXX told us about the loan process, the difference in adjustable vs fixed interest rates and closing cost. 3. We were told verbally by Mrs. XXXX that the loan did not have any closing cost as long as the loan was kept for a certain period of time as well as there was a XXXX dollar annual fee. In addition, we were told that we could lock the loan into a fixed HELOC rate at the days rate we locked it in with a one time XXXX dollar fee. That was the only stipulations we were told. 4. In XX/XX/XXXX, the rates began to climb. I went to the bank to lock the rate in. Mrs. XXXX was not there so I spoke to another loan officer to lock the rate and switch from a variable to fixed rate. It was at that time that I was told that in addition to the XXXX dollar fee it would also raise the rate to one full percentage point. I told the loan officer that we were never told this. The officer said she would have received. XXXX call us when she returned. She called me back the same day where I told her what I had just learned. She specifically told me that she was not sure of that but she would call me back with more information. When she called me back she apologized and said it would be an additional 1 % to lock the rate, and that she had been unaware of this. Therefore, this information could not have been shared with us at the time of closing if she was unaware of the rate addition 2 months later. 5. We were required to go to the bank on three separate occasions to sign closing papers as Mrs. XXXX had made errors in the previous two closing documents. This became very confusing to say the least. During the two additional closings we were not given any verbal communications but only to ask us to resign what we had already signed. The two additional closing documents were back dated with us being told to write the original closing dates and not the date we actually signed the new documents. 6. The notary was also back dated to the original closing date and not the actual dates of the additional signings. 7. The paperwork we were given never details the one additional percentage point as it was verbally explained. 8. Due to the rising interest rate we decided to apply at a separate bank for a first mortgage at or about the variable rate we originally took with PNC bank. This caused us to take on a second closing cost for the new loan. 9. The house was financed with XXXXXXXX XXXX and the PNC loan was closed in mid XX/XX/XXXX. 10. PNC bank is now asking us to pay the original closing cost of approximately 800 dollars. 11. I lodged a complaint with PNC Bank where I allege that we were not provided with all of the factors of the HELOC that would have allowed us to make an informed decision. To say the least it was all very confusing, the additional closings and the omission of the rate addition. 12. My allegations that under the Truth in Lending law, we were not provided with relevant information to allow us to make an informed decision. 13. I had another bank loan officer review the paper we signed and he stated that the form was a generic form and that he did not see any mentioning of the 1 % rate increase if the loan were changed from a variable to fixed rate. 14. We are only asking that the XXXX dollar closing cost be removed due to the failure of Mrs. XXXX to disclose the loan information accurately and fully. 15. During A PNC review they said everything was done correctly and they would not reverse the XXXX dollar closing cost. We disagree with this assessment.
Company Response:
State: AL
Zip: 36582
Submitted Via: Web
Date Sent: 2019-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A