Date Received: 2019-05-18
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: My name is XXXX XXXX I have a virtual wallet with you, sometimes I make mistakes but always make sure my stuff ends up getting paid, I couldnt even get approved for the one card I applied for I truly like this bank and would like to stay with you guys, my partner has ten accounts with you, I just would like to just use my Pnc credit card that I keep getting denied a lot of my credit report is inaccurate and Im going through firms to try and clear it up but it just doesnt go anywhere. I would hate to leave this bank because they can trust me with a credit card my partner has been with you guys for over 20 years and has more money saved away than most, I just truly would like to get the Pnc points credit card. Im sorry for bothering you guys. I just dont want to stop going through Pnc because of this.
Company Response:
State: PA
Zip: 163XX
Submitted Via: Web
Date Sent: 2019-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have on numerous occasions experienced a great deal of difficulty accessing funds deposited with this institution. The problem is not so much accessibility ( although they do make it difficult ) as it is privacy. For any transaction, except for deposits, they require ID, this is understandable however asking me why I am withdrawing my own funds or what I plan to do with my income tax refund is none of their business and was not done in the framework or tone of providing any additional service. It was a barrier. They have asked for 2 forms of ID at one point and also informed me that my drivers license was expired on another occasion. This has happened numerous times at this branch and happens to others as well. PNC Bank XXXX XXXX, XXXX, Pennsylvania.
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2019-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Hello My complaint is regarding PMI removal. I bought a brand new home ( new construction ) in XXXX. I have an outstanding payment history, putting more money down every monthly. in XX/XX/XXXX I contacted PNC to get PMI canceled. PNC charged me {$500.00} to run an appraisal and gave me the criteria for PMI removal. 1 ) The appraisal must show sufficient value which would reduce the LTV to 80 %. 2 ) Since the loan is less than 2 years old, the investor requirements state that the customer is required to have made improvements to the property. I accepted the criteria and paid {$500.00} for the appraisal, after 2 weeks I got the decision : " THE LOAN INVESTOR HAS DENIED YOUR REQUEST TO REMOVE PMI '' The appraised value brings my loan-to-value ( LTV ) to 77.79 % ( it means I achieved the first criteria ) However PNC stated that I haven't made improvements in my home accordingly to the second criteria, but that is not true. I opened a dispute and proved ( sent a report with photos and invoices ) that I have made a lot of improvements such as Patio over 500 sqt, driveway extension, new walkway and porch, black splash, finished garage with epoxy painting. However they still denying my request, saying that I have not made any improvements. The question is, what else is considered improvements for a brand new house. I have called more than 4 times to try to get a fair answer and, every time that I call I need to wait 5 days to get a response by mail. Besides the frustration, waste of my time also it seems a scam because they are not acting with integrate. I really wish to solve this matter in a friendly way, for that reason I am opening a claim here, before to talk to an attorney. thank you XXXX
Company Response:
State: MI
Zip: 48044
Submitted Via: Web
Date Sent: 2019-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was offered an incentive to open a new checking account at PNC Bank! I went in to accept the offer, they declined but offered me a PNC Smart Access account! Despite being told by their corporate office I should have received the incentive to open a full checking account, my PNC Bank Branch repeatedly refuses, cancels repeatedly my PNC Bank Smart Access VISA, and after clearing up an error why the VISA was cancelled, I was told they would send me a replacement PNC VISA but in the meantime I could deposit checks into my PNC Smart Access account! I attempted to today and my bank branch refused to accept the deposit!
Company Response:
State: MI
Zip: 48322
Submitted Via: Web
Date Sent: 2019-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-16
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I have had a mortgage on the subject property with PNC since XX/XX/XXXX, after having banked with PNC for 20-plus years, moving to Virginia in XXXX and purchasing a small farm in a rural area north of XXXX. At the time of the purchase of the home in question, I was attempting a reconcilation with my ex-wife, and chose to put her on the title. Unfortunately, the reconciliation failed, and we went our separate ways, her to Florida, while I remained in the home in question as my sole residence. Several years passed, and in XX/XX/XXXX, I met and fell in love with a woman who has become my new life partner. We each have our own home, and wish to eventually downsize and move into my home. But first, we decided she should be co-owner and co-signer of a new mortgage on my property. Then we could consider selling her home. The matter was complicated because my former wife 's name was on the title of my property ( this was NOT part of our amicable XX/XX/XXXX divorce agreement -- the purchase of the home in question took place 20 months after the divorce and settlement. My putting her name on the deed of trust was an act of good faith at the time of the attempted reconcilation, which took place coincidental with purchasing the property in question. And importantly, at that time, PNC insisted she be put on the mortgage, as co-signer, as she was co-title holder. We were unmarried, 20-months post divorce at the time, for all intents and purposes, single persons with no legal relationship, no court-ordered or court-inforced financial separation agreement. Then, commencing in XX/XX/XXXX, my new life partner and I began the process of refinancing my mortgage with the goal of removing my former wife from the deed and mortage and putting my partner on the mortgage and deed of trust. We were forced to pause the refi on XXXX XXXX due to extenuating circumstances -- my ex-wife, who was on the title, demanded certain conditions be met before she would sign the quit-claim to the deed of trust. To meet her conditions would take me six months or more. So I put the refi on pause ( see attached letter to PNC ). Then, in XX/XX/XXXX, I notified the PNC case loan officer that I wished to proceed, and on XXXX XX/XX/XXXX, we began the process anew. While the loan officers have been unfailingly professional and understanding of the unusual circumstances that predated this refinance application, the PNC underwriter has displayed, over the past 70 days ( XX/XX/XXXX - XX/XX/XXXX ), a clear prejudice against us, two unmarried individuals who wish to co-sign the refinanced loan. The underwriter has made a series of unreasonable and unwarranted demands for information about my prior relationship and divorce that have nothing to do with the loan application, demanded proof of residency and other off-topic issues, displaying a clear pattern of delay and obstruction, in violation with fair lending practices. Our ability to pay the mortgage is unquestioned -- we have combined assets of over {$1.00} XXXX dollars and a combined income of over {$180000.00} per year, both with stellar credit histories and credit ratings over 800. Of course, PNC has a record of my ontime mortgage payments over four years, and by any standard, clear evidence that my partner and I qualify for this loan ( refinance ). The objections and delays put up by the underwriter have had nothing to do with our ability to repay the loan, they have everything to do with the underwriter 's assumption of fraud on my part and prejudice against us as unmarried, non-cohabitating individual ( we each have our own home ; one owns the home and PNC mortgage in question, the other has a separate residence and mortgage with a different lender, and until we can get both of us one one mortage and deed, we are reluctant to sell the second property and move in together permanently ). PNC 's loan officers refuse to divulge the name or supervisor of the underwriter, making it impossible for us to resolve our complaint directly with PNC.
Company Response:
State: VA
Zip: 229XX
Submitted Via: Web
Date Sent: 2019-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-15
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I was charged a {$35.00} overdraft fee on XX/XX/2019 for an apparent overdrawn account on XX/XX/2019. However, my account never went into the negative on that date and remains in the positive today ( XX/XX/2019 ).
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2019-05-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-15
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My husband ( now ex-husband ) opened up a CD, IRA in my name in XXXX of 1990 at the XXXX XXXX in XXXX NJ. It was in the amount of {$620.00} with an 8.20 % interest rate that would mature when I am XXXX years old. I am currently XXXX years old. I have been holding onto this paperwork since my divorce 18 years ago. I have contacted the bank PNC which bought out XXXX XXXX in the late 1990 's. They report having no records of the above CD. I have been given the run around and can not find any support. I have the paperwork in my possession. Please let me know what my options are. Thank you kindly for attending to this matter. Sincerely, XXXX XXXX
Company Response:
State: NJ
Zip: 07701
Submitted Via: Web
Date Sent: 2019-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-15
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: this is with PNC bank where I obtained a home equity first mortgage loan on my condo 4 years ago. One of the conditions of getting the rate was to have the payments automatically deducted from a PNC checking account. They indicated to me verbal and on a written document that as long as the checking account is linked to this type of loan that I would not be charged fees on having a low balance. My payment is XXXX a month and every quarter I deposit about XXXX to cover 3 months payments. I have another account where I do my day to day checking so I only use this checking account for making payments to this mortgage. I recently received a bank statement that had a fee for a low balance. I never been late on a payment and never overdrafted this account. An employee at the bank informed me that the bank changed their policy on linked accounts. They should not do this to accounts that were previously established on the conditions of linking accounts for making payments.
Company Response:
State: OH
Zip: 44720
Submitted Via: Web
Date Sent: 2019-05-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-14
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/XXXX I had several pending withdrawal transactions that showed a small negative balance. I dont have that exact amount because I didnt save the screen. I arranged a deposit of {$250.00} which showed pending on XX/XX/XXXX. Most of the pending deductions were posted the night of XX/XX/XXXX though and I was charged four {$36.00} overdraft fees. The balance AFTER the fees and deposit was {$64.00}. So I was charged {$140.00} for a total overdraft amount of {$41.00} ( including two pending debits of {$150.00} and {$7.00} ( not posted yet ). I dont think it is right to be charged that amount of fees for that negative amount. I also dont understand the process of overdraft charges on pending transactions because they can charge a fee for posted items based on pending item balance then charge another fee when the pending items post after already charging fees that make the account balance more negative. Overdraft charges need to be regulated so banks are not getting double fees for pending then posted. They should also have a maximum based on the amount of an overdraft. It is ridiculous to pay {$140.00} for an oversight of one transaction that caused an overdraft of {$41.00}, especially since multiple withdrawals were posted but the last items were small amounts so received multiple fees. I am on XXXX and this is almost $ 10 % of my monthly income. It should be usury. This situation is with PNC Bank in Michigan.
Company Response:
State: MI
Zip: 48187
Submitted Via: Web
Date Sent: 2019-05-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am located in California and have a line of credit with PNC. I have not had a balance on this line of credit for quite some time. We are selling our home and needed to obtain a pay off demand from PNC to close on our home. PNC has not sent us any statements so we did not have the current account number. Called them and they verified who I was through their three step verification process. Initially spoke with XXXX who said she could not provide any information because I could not verify the most recent credit limit. Escalated up to XXXX XXXX who was able to verify who I was. Issue is that he said they are unable to provide me with my loan number to order the payoff nor can they email or fax me a statement because I am not located in their " footprint ''. He said the only way they could do this is to have me go to one of their branches that is out of state or I will have to wait 5 to 7 business days from them to mail me the information via standard US mail. I explained that if this process takes too long I will not be able to close my home on time. Are they sure there is no other way to accommodate a customer outside of their bank footprint. He said no. This is concerning. If a bank is doing business here in California they should have policies in place to accommodate their customers just like they could the ones within their bank footprint. Almost sounds like disparate treatment!! This will not be a huge issue for me as long as I can obtain my pay off in two weeks but for other customers outside their bank foot print this could be an issue. Thank you.
Company Response:
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2019-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A