Date Received: 2019-05-03
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I have left my employer and I am trying to close my HSA account with PNC Bank and transfer the assets to a HSA with XXXX XXXX. XXXX has spoken with PNC multiple times to confirm the address to send the Transfer of Assets ( TOA ) form to and has sent the TOA on multiple occasions. PNC continually claims that they haven't received any of the documentation from XXXX. I started this process in early XX/XX/XXXX.
Company Response:
State: GA
Zip: 30004
Submitted Via: Web
Date Sent: 2019-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-02
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: My son, XXXX XXXX XXXX, had a auto loan through PNC Bank, with his grandfathe, r XXXX XXXX XXXX, as a co-signer. On XX/XX/19 my son was in a automobile accident that took his life. My father, XXXX XXXX XXXX, gave PNC Bank permission for me to take care of closing the auto loan account. My son, XXXX XXXX XXXX had auto insurance and gap insurance which should pay off the entire loan amount. I contacted the auto insurance company and the vehicle was a total loss. The auto insurance company sent PNC Bank a check. I contacted PNC Bank and informed them of what had happened and spoke with a XXXX XXXX. She informed me that my son, XXXX XXXX XXXX had gap insurance and all that PNC Bank would need was my sons death certificate and the auto insurance check, then they would take care of everything else. I emailed my sons death certificate and reached out again to PNC Bank and XXXX XXXX and again she informed me that they would take care of everything else. In the mean time my father XXXX XXXX XXXX is getting calls that the vehicle payment is behind and his credit has taken a negative hit, though this case is pending insurance payments and is a total loss. I call PNC Bank, because XXXX XXXX won't return my calls, and am told, by XXXX, they never received a check from my sons auto insurance company. I inform PNC Bank, that I have a letter in my hand and it states that they have received a check from the auto insurance company. I am then told by another representative of PNC Bank, XXXX, that they don't reach out to the XXXX insurance company that we should. We were told that PNC would take care of it by XXXX XXXX. We then reach out to XXXX XXXX XXXX, where the vehicle was purchased, and they send us an email where PNC Bank has cancelled the XXXX insurance. Why would they do that and why did they tell us that they don't reach out and contact anyone. It's lie after lie and why are we taking care of this companies leg work. Why aren't they trying to close this account out? Are they just trying to accrue more interest? Why are we doing the loan companies job? Their client is deceased and they have a copy of his death certificate and they had the nerve to ask us to send them another copy. This is a very tough time for my family and this company is making a tragic situation so much worse.
Company Response:
State: TX
Zip: 76513
Submitted Via: Web
Date Sent: 2019-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I started the process of a short sale with PNC bank to avoid foreclosure. Being the co-borrower is deceased, I no longer can afford the mortgage. I started the process in XX/XX/2019 and submitted all required documents. As of the XX/XX/2019 the bank informed me and my attorney that they had the file and were missing a few documents which we submitted. After five business days of reviewing my file my attorney was informed by the bank that I had exhausted all my loss mitigation options. This makes no sense. We are trying to short sale the property to avoid a foreclosure and help save property values in the neighborhood. PNC is forcing me into foreclosure. I owe about $ 46k and we have a market value offer for $ XXXX which the bank is reviewing. Please help me.
Company Response:
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2019-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have a mortgage with PNC. My house is owned by myself and my brother. My brothers wife was paying the monthly payments ( which are in my name ) and she decided to call PNC and change my personal information, i.e., mailing address, email address and phone numbers. The house payment was not paid for several months. I claim the house for tax purposes. In XX/XX/XXXX, I was filing my taxes and did not have the 1099 to claim the interest on the house. It was then, I found out that PNC let all my personal information to be changed - they have admitted they could see by the telephone number and the voice recordings it was not me. PNC told me my address and all personal information was changed in XX/XX/XXXX. Since I found out about the breach of my personal information being compromised, I have been trying to work with PNC to fix this. I am retired on XXXX retirement, I have filed a modification with PNC and they have turned me down. I have made two payments in XX/XX/XXXX and one payment in XX/XX/XXXX trying to save my house. I have a tenant living in the house and Housing paying the mortgage and a second mortgage attached to the house. Please see below an email I sent to the CEO of PNC pleading for his help to correct this and remove it off my credit. I had perfect credit and would not do this to myself. " I spoke with XXXX XXXX and XXXX XXXX of PNC yesterday [ XX/XX/XXXX ] ... which got nowhere. XXXX said they ( PNC ) report factual information to the credit bureaus and can not remove it. That is not true ... for one ... it was not factual, second my information through PNC was changed or compromised. PNC did not protect my personal information. Third. THE INFORMATION WITHIN THE CREDIT BUREAUS can be changed. They are not government regulated.. I also have a dispute filed with them against PNC. I will also file a complaint with Consumer Finance ... as the Federal Reserve told me PNC is regulated by Consumer Finance. I want to speak with XXXX XXXX [ CEO of PNC ] .. or I will reach the national news about my issue with PNC . The investor is also involved as if now. XXXX stated yesterday they don't know if I basically did this to myself ... PNC can not prove it. I did not change my personal information. PNC has the erroneous phone numbers and the phone recording.. that is NOT ME. XXXX told me my mail was going to a P.O. Box in XXXX XXXX. Md ... I have a street address in XXXX Md. I WANT THIS OFF MY CREDIT AND A MODIFICATION. I put in for a modification and as of yesterday I'm being told I would have to file again ... This has been going on since XX/XX/XXXX ... since I found out about it. As of XX/XX/XXXX the payments are being made ... I have a tenant in there with a lease agreement ... Housing is paying it and there is a second mortgage attached to the house. If this forecloses the INVESTOR will lose about XXXX. Plus Federal Reserve told me PNC will have to honor the tenants lease ... which was just signed. Plus second mortgage attached to the property. I WANT TO SPEAK WITH XXXX XXXX or this will be national news .... STOP PASSING THIS ONTO OTHERS IN PNC ... I want this fixed ... .off my credit and a modification. '' I told PNC, Ms. XXXX I was going to file a complaint with Consumer Finance and she said that it would come to her and she would reply that I ( XXXX XXXX ) was basically at fought. My information was compromised, changed, and PNC let it happen, and now I have bad credit and may lose my home. I also have emails from PNC stating the were able to find the recordings and phone numbers of the person who compromised my information. Also, Ms. XXXX told me my credit has been sloppy with PNC since XX/XX/XXXX, I provided copies of my XXXX credit report dating from XX/XX/XXXX to present. Her accusation was incorrect as to my credit. My mail was sent to 2 different addresses. I will attach it along with a copy of my credit with this account. Someone please help me get my good name back - my credit and save my house.
Company Response:
State: MD
Zip: 211XX
Submitted Via: Web
Date Sent: 2019-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-30
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I deposited a settlement check for {$1400.00} on XX/XX/2019 at approx XXXX XXXX. I deposited the funds at the PNC ATM in XXXX, Al. After I made the deposite I was told that my funds would be released on XX/XX/XXXX. Well XX/XX/XXXX is here and my funds weren't releases. After waiting until mid-noon, I was told that PNC couldn't tell if the check is legit. But here 's a big problem, when I made the check deposite the day before I had a negative balance of - {$1.00} well today ( XX/XX/XXXX ) it was - {$0.00}, and even though it was a few cents, its obvious that PNC was able to draw the change from my check to my account which mean they know the check ia valid.
Company Response:
State: AL
Zip: 365XX
Submitted Via: Web
Date Sent: 2019-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was impacted by a FEMA declared disaster " Hurricane Irma '' and my home was in the disaster area. PNC placed me on a 6 month disaster forbearance with promise of doing a streamline disaster modification at the end. Since my property insurance did not pay anything because our home was not damaged significantly but had enough damage to put us behind with out of pocket expenses from power loss, loss of food, trees fallen, debris everywhere, siding damage, the insurance company raised the deductible to 5 % of total value of the home at about {$10000.00} and my damage was under that amount so it was all out of pocket on a fixed income. I used the money to recover from the disaster. My wife and I are XXXX XXXX XXXX veterans who both served in war in XXXX. We were never late on our mortgage payments and were current for years ( about 10 year ) until the hurricane. Other mortgage companies assisted many in our area and even the other properties I own. But at the end of the 6 month term PNC would not help and I was left being 6 months due. I would have never accepted the " assistance '' from PNC had they not given a commitment to help bring my loan current. Now I am facing a foreclosure sale date of XX/XX/2019 in spite of having a complete loan modification application which is simply my VA award letters and bank statements. Not a whole lot but PNC made it very difficult to have a " complete package ''. In spite of " dual tracking '' being restricted per CFPB servicing guild lines PNC continues to have a sale date and active review in violation.
Company Response:
State: GA
Zip: 31313
Submitted Via: Web
Date Sent: 2019-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-28
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I am XXXX and I have been in serious of car accidents.I have almost been XXXX and XXXX by a dog. I fear driving on the highway. This bank, PNC Bank, is conveniently located in XXXX, NJ. I did nothing too them and my banking access online is revoked. I also have a POD banking account with my father that I am not given information about. I believe that this company is XXXX towards dark skinned women. This is the first time that I ever had a problem with my checking account. What is he looking for to unrevoke my account? How do I unrevoke the account? What is required to unrevoke the account? I am XXXX and have difficulty getting across the bridge to my other bank every week. I fear of another accident. Could you tell them to grant me access to my online bank account.I did nothing to them. Additionally, someone is hacking my checking account. Are they able unrevoke my checking account? This could affect my credit score. I am in the process of moving, buying a house and a new vehicle, Right at this point, I feel that this company is being discriminatory against me for no reason.They have no explanation given. They did not allow me to explain my side of the story. This is the first time, in 20 years, since completing my education and opening this checking account, that this has happened.
Company Response:
State: NJ
Zip: 086XX
Submitted Via: Web
Date Sent: 2019-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-27
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: On XX/XX/2019 I purchased a XXXX XXXX from XXXX XXXX of XXXX XXXX in Georgia. I walked in with a pre-approval from my own personal bank XXXX XXXX XXXX XXXX. I also traded in a car that was paid off that same day with them. I gave the financer at the dealership permission to RUN my credit to see if he could beat my APR rate of 6.29 % from XXXX XXXX with the financing he offered but he could not with a APR of 7.29 % so I told him to just go ahead and use XXXX XXXX XXXX. The Financer had financed me through PNC without my knowledge and continuously gave me the run around from the beginning about me being financed through XXXX XXXX. I have continuously called, left voicemails, and taken off of work to get this issue resolved with XXXX XXXX before my XXXX XXXX offer expired on the XX/XX/XXXX, and I have yet to receive response. I now am financed through PNC Bank with a higher APR than what I originally got from XXXX XXXX and I believe that I now have a hard hit on my credit report.
Company Response:
State: GA
Zip: 30088
Submitted Via: Web
Date Sent: 2019-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-27
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/XXXX, I went to my local PNC Bank branch to make a withdrawal and was asked to do the transaction in an office. During that visit, the person who assisted must have looked at my information on-line and noticed that the credit card I have with PNC Bank did not have certain benefits that another card had, so he asked me if I wanted to get the card with the better benefits. I said I was trying to not use my card because I had a very high balance on the card, and in fact I have not been using that card for purchases for some time. Nevertheless, I said sure. He then asked me only 3 questions -- when did I purchase my home ( I answered XX/XX/XXXX), how much was I paying monthly on the mortgage I had on the home ( A PNC Bank open ended mortgage that I pay roughly {$390.00} per month, information he could readily see in my records ), and how much did I make annually roughly ( {$60000.00} ). I then asked him was this an application? He said yes, and I said I di n't want to be denied. He asked me if I knew what my credit score was, and I said no I did not. I said I thought this was an upgrade of the existing card, he said no it was an application. I said fine go ahead. The card was not approved at that visit. HOWEVER, I received a phone message to call PNC Bank PLUS an email to contact PNC Bank -- both on XX/XX/XXXX. The email, received by me at XXXX XXXX my time ( XXXX, PA ), which I have, expressly states -- " To assist us in completing your application, please contact us as soon as possible. '' This therefore told me my application was not complete. I called PNC Bank that afternoon and EXPRESSLY told the person who answered that I WAS WITHDRAWING the application for the card -- that I never wanted the card, and would not answer any other questions. The person on the phone lied to me and told me that the application was being denied and that the purpose of PNC Bank calling me was to get more information from me about the denial. That was a ridiculous explanation and contradicted the express email that said PNC Bank needed additional information from " in completing the application. '' I reiterated that I was WITHDRAWING the application and that if PNC Bank denied the application I would lodge a complaint with the CFPB, and further that I was in fact making a complaint about the way I was being treated. I then received a phone message, on XX/XX/XXXX, from XXXX XXXX, PNC Bank Executive Client Relations, who was calling me about my complaint. I returned that call that day. She did not call me back until I believe it was XX/XX/XXXX. I reiterated to her everything written above, and reiterated that I considered my application withdrawn and that if PNC Bank denied my application I would file a complaint with the CFPB. She said she would look at the matter further and get back to me. To date she has not done so. Since then, I received a letter dated XX/XX/XXXX, from PNC Bank stating that " [ w ] e regret that we can not approve your request at this time '' -- referring to my " recent application for the PNC Cash Rewards Visa credit card. As grounds for the denial, the letter states " 1. Payment obligations too high in relation to income. '' This letter contradicts my express statement that I WITHDREW the application on XX/XX/XXXX, right after receiving PNC Bank 's email stating that PNC Bank needed assistance in " completing [ my ] application. '' Because the application was not complete, and therefore it was not denied on XX/XX/XXXX, I WITHDREW it on that date, and PNC Bank therefore wrongfully denied an application that didn't exist on XX/XX/XXXX, to my harm and detriment.
Company Response:
State: PA
Zip: 193XX
Submitted Via: Web
Date Sent: 2019-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I had 3 different HELOC loans on some of my rental properties that ultimately ended up at PNC Bank. These have always been paid on time and I believed that all 3 were paid off. I received notice that PNC had reported me late. Because this information is unaccessible online for some reason with them, I contacted them by phone on XX/XX/19. Upon reaching customer service and giving them my name, the address and my social security number to look up my accounts, I was told that that was not enough information to give me balances. I am not sure how they expect me to pay off the accounts if they will not tell me the balances. After arguing with the agent, I requested a supervisor. The Supervisor was arrogant right off the bat. She wanted additional information over and above my name, social security number the address and even the account number that I had for one of them. She now needed the original balances on the accounts. These loans were made 15 - 20 years ago. There is no way I know the original balances. After telling her that I was filing a complaint and would like a copy of the recording of the conversation she told me to get a court order. She then said I could tell her the last payment that I made on each account. Again this was months ago and my online banking no longer has this info without going to paper records. ( this is an entirely different issue, but another way banks are not helping the consumer ) She finally gave in when I gave her all 3 addresses and gave me the balances. 2 had been overpaid by several hundred dollars and one was short {$19.00}. Instead of applying the overage funds to the short account which I thought was paid in full, they chose to report me late to the credit bureaus. What a lovely policy to XXXX the consumer. This is the most arrogant unhelpful lender I have ever had the displeasure of working with.
Company Response:
State: MT
Zip: 59404
Submitted Via: Web
Date Sent: 2019-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A