Date Received: 2019-04-10
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My client is trying to sell his home and is unable to do so because there was an equity loan on his home which was sold to several lender and none of them filed appropriate documents such as assignment of mortgage, power of attorney or servicing agreements. We are unable to close due to this and my client is going to lose his home in foreclosure. PNC took over National City.
Company Response:
State: NY
Zip: 11369
Submitted Via: Web
Date Sent: 2019-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-10
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I went to the PNC Branch ( XXXX XXXX XXXX, XXXX, PA XXXX ) to replace a lost Credit Card. The card I wanted to replace had a limit of {$1600.00}. A few days later I get a PNC Credit Card and I assume it's my replacement. However, I learned that it's a new credit card I DID NOT APPLY for. It has a limit of {$11000.00} and the interest rate is 5-6 % higher than my previous one. I contact PNC to show me where I signed-off on the new card application. Provided nothing. Contacted the branch, no help. I learned they were pretty much doing what XXXX XXXX was doing to incentives their employees buy opening as many accounts as they can. Additionally, my credit report doesn't even show this $ XXXX credit card on my report. I've been paying 23 % on this card which I NEVER applied for.
Company Response:
State: PA
Zip: 19130
Submitted Via: Web
Date Sent: 2019-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Hello, I am reaching out to file a complaint against PNC Mortgage company. I received a letter from PNC dated XX/XX/2019, allowing me another opportunity to apply for a loan modification. I did on XX/XX/2019. I received a second letter requesting information dated XX/XX/2019, and I provided the information required except for the information I was not required to submit confirmed by the servicer. While applying for a loan modification PNCs attorney was pushing forward the foreclosure while my application was under review and before PNC made a decision on my application ( please see attachments ). I started receiving letters to Save my Home. I did not pay any of the letters any mind because my application was under review. On XX/XX/2019, I received a letter in the mail dated for XX/XX/2019, from PNC stating my application was incomplete. It states I failed to provide the required documents. All required documents PNC requested was provided to them except for the documents I was not required to send per the loan servicer. According to CFPB, the servicer is required to inform me of any missing information, that did not happen. Also, in the denial letter, it did not specify which documents I did not submit. According to CFPB servicer are required to identify documents that were not received. That Friday on XX/XX/XXXX, I found out my home was sold in an Auction to a third party person name XXXX XXXX on XX/XX/2019. This did not allow time for me to remedy the situation. There was a disconnect within PNCs department and it was not on my part. I provided all the documents the servicer needed. I received a letter from PNC stating they were given permission by my Bankruptcy Attorney XXXX XXXX to communicate with me directly. When I made inquiries regarding my application decision, the servicer by the name of XXXX stated that they were not giving permission to communicate with me directly because of my bankruptcy attorney. That is false is I have the letter to confirm PNC was given permission to communicate with me. I spoke to a PNC foreclosure representative on XX/XX/2019 by the name of XXXX and she was very helpful to me not once, but twice. She said I did not submit the child support information, but I was not required per the letter received from PNC. When I called on XX/XX/2019 I spoke to XXXX again and she did forward a complaint to PNC. The person who was supposed to be handling my complaint was XXXX XXXX ref # XXXX and she provided me her phone number and I left her a message on XX/XX/2019. I never received a return call. I did speak with XXXX XXXX and he was kind enough to assist me and see what he could find out, but neither loss mitigation or the foreclosure department responded to his inquiry. Also on a letter I received it states PNC would contact me regularly to ensure all required documents are received, no one contacted me. If I was not required to submit child support, Alimony, and Separation income documents why was it penalized against me in my loan modification application when I was not required to submit? Why PNC did not identify in their denial letter what documents were missing prior to the sale date? Last, Should I have been faced with a foreclosure sale while my application was under review or evaluated? Can this be stopped immediately after a foreclosure sale date? Can I get my home back? The servicer did not contact me to say hey, XXXX you are missing the following documents, please submit no later than this date. Is this legal, is PNC allowed to do this? The ratification sale has not been finalized and I want to keep my home, but I want to hold PNC responsible for negligence on failing to communicate with me directly on any information needed and while my application was under review and to move forward in Foreclosure. I have an XXXX-year-old son who has XXXX and I need and would like to keep my home for him and my other XXXX children. I want to keep my home. At the moment I can not afford an attorney to pursue any legal actions and I need help. If you can be any of the assistance I want to keep my home and stop the ratification sale to resolve this issue with PNC. I would like to reverse the mortgage back to me as the owner and borrower and for PNC to reimburse Mr. XXXX back his money because it was an error on their part. No one seems they can help me and after reading the rules and regulations, I feel CFPB can assist me. I am willing to pay the bidder his deposit back as a down payment for the balance I owe, something to retain my home. I also work as a XXXX XXXX XXXX and this will definitely negatively impact my security clearance. I am willing to pay I have a steady job or at least provide the opportunity to apply again for the loan modification. PNC did not identify what missing documents nor in their denial identify which missing documents. I provided all the necessary documentation and they had all the rights to communicate with me. I need help and fast. I was told to make calls to the foreclosure department at PNC, the courthouse I was instructed to do by PNCs foreclosures department to contact the sheriff 's department to find out a notice to vacate. I called just about almost anybody who could help me, no one can help or dont seem to have the answers. I heard from everyone else besides XXXX XXXX the servicer who was supposed to be handling my application. Please assist me! Desperate mom trying to keep her home! Thank you! XXXX XXXX
Company Response:
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2019-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/19 I went to the PNC branch on XXXX XXXX to withdraw {$6000.00} out of my savings growth account. The teller XXXX XXXX asked me what I needed it for, I told her person use. I had my ID, debit card and gun ID showing who I was. She claim that she didn't have that on hand and couldn't honor it. I then ask to speak to the manger that was there. A XXXX XXXX manger was very rude and told me she couldn't honor the request as well because they didn't have that on hand. I was kinda upset because I had the amount of money in my account and they wouldn't let me withdraw it so my tone in my voice was kinda concerning and asking why but remained respectful. So I asked could I take {$2000.00} out of my savings growth account. XXXX XXXX denied my request and said had the right to Denned my request. I left out the bank and called PNC customer call center and filed a complaint and ask could the person that's in charge of that branch to give me a call. Around XXXX EST the same day a man name XXXX gave me a call and said he manages the federal branch that I a issue with. He started off asking me what happen. I explained to XXXX what happen. He asked me " you were unable to take anything out the account and I told him no. He apologized and said he I should of been able to take something out my account and would talk to both of them and that he was sorry. So on XX/XX/19 I went to the pnc branch on the southside @ XXXX when they open and walked to the counter and told the teller that I wanted to withdraw money from my growth savings. She started off by writing my name on the withdraw slip. She asked me what I was doing with it I told her personal use. When looking at her name tag it was the same person from XXXX XXXX XXXX XXXX. I said you are the same person from federal that I spoke to XXXX about. As soon as I said that she said I'm denying the transaction. I said why I have the money in my account. You have my ID and debit card. That's verifying who I am. Then XXXX got up and left her teller station and got the branch manger XXXX from the southside branch which was very nice. XXXX Walked over to the teller station with XXXX and asked what I need the money for I told her personal use and I might by furniture. XXXX Said ok and told XXXX that she can do the transaction. XXXX told her that she didn't want to do the transaction. XXXX said it's fine XXXX, I'm here and verify his account & I'm giving you permission to perform the transaction. XXXX said she was not comfortable. I then told XXXX that I would like XXXX to give me a call because I feel like I'm being treated wrong, and being discriminated because I am XXXX and I had The proper ID, plus the money was available at the bank. And I have it in my account. I don't see what the problem is. Plus this is the second situation with the same person. She was familiar with me, XXXX said he would talk to her. I really feel like she has something against me, you could tell by her body language. I was embarrassed because people in the branch was looking at me like I was doing something wrong. All I wanted to do was take out my money.I was no rude nor disrespectful. I even cried about the issue and I want something done and I want to file a civil complaint about pnc because this is not right.
Company Response:
State: PA
Zip: 15212
Submitted Via: Web
Date Sent: 2019-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-09
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2019 I transferred my savings account into a money market account paying 1.88 % the account has about {$70000.00} in it. I did not get interest for XX/XX/2019 nor XX/XX/2019 I went back to a local branch of PNC on the XXXX of XXXX and spoke with a customer rep whom stated she would submit the required paperwork to get the interest owed me. as of today XX/XX/2019 i have not gotten the interest my money market account number is XXXX
Company Response:
State: FL
Zip: 34952
Submitted Via: Web
Date Sent: 2019-04-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-09
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I requested my HSA funds from XXXX XXXX be transferred by check to my new PNC HSA account. However, XXXX sent the check to the wrong bank, XXXX XXXX. XXXX XXXX cashed a check that was not written to them as it was written to PNC BANK FBO XXXX XXXX. A copy of the check provided to me by XXXX will be attached showing endorsement by XXXX XXXX. I have tried for over month calling all three banks with no resolution as it is difficult to communicate with XXXX and PNC refusing to do what the other two banks recommended. Essentially, XXXX XXXX has my XXXX account funds which they won't release back to XXXX until fraud forms are filed by XXXX and filled out by PNC. PNC is refusing to file the fraud form. XXXX are telling me I can't fill the forms out since the check was technically written to PNC and not me directly even though my name is also on the check as the FBO. PNC is telling me the funds are mine not theirs and refusing to file the form.Thus, I'm left without access to XXXX of my money that XXXX sent to the wrong bank that fraudulently cashed said funds. No bank seems to be communicating with each other and nothing is getting done to return my funds by anyone at this time. Also attached is the fraud form PNC is currently refusing to fill out.
Company Response:
State: OH
Zip: 43123
Submitted Via: Web
Date Sent: 2019-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-09
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: An overdraft charge for XX/XX/2019. I saw no shortage of funds or a negative amount on my account when this overdraft payment occurred. I was told that the overdraft occurred when PNC did their there processing. In the past, when overdrafts occurred, they were shown on the account immediately. I check my account once or twice a day. All funds that are deposited in my account are from PNC Merchant Services, ( which are available for use the following day, except weekends, because the clearing house does not release them until Monday morning ), a monthly pension, ( that is direct deposited for immediate use ) and cash. Once in awhile I may deposit something else. If PNC is closed on weekends and my funds are there in my account when they open, why am I charged for over drafts?
Company Response:
State: PA
Zip: 19140
Submitted Via: Web
Date Sent: 2019-04-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Since XX/XX/2019, I have requested financial hardship assistance from PNC Mortgage ( as I am officially the successor-in-interest in their files since my parents are deceased ). Going up to the last week of XX/XX/2019, they continuously state they require more files i.e. tax documents, profit/loss statements, paycheck stubs, bank statements. I attempted to contact my point of contact ; however, her voicemail stated she will be out of the office until XX/XX/2019 ( as I began calling at the beginning of XX/XX/2019 ). I made numerous phone calls and e-mails to PNC Loss Mitigation regarding my hardship assistance packet, and I was directed to 6 representatives each requesting documents/receiving documents. On XX/XX/2019, a demand letter was sent regarding the loans had defaulted and they require the whole payment of over {$2200.00} be paid by XX/XX/2019 or they will continue with the foreclosure process. Loss Mitigation contacted me days after stating that my financial hardship assistance case was closed, but they reopened the case because they required more financial documents. They did not send notification and give ample time stating they need my completed profit/loss statements calculated, and they also stated they did not receive my completed tax forms as I previously sent those documents in XX/XX/2019. During the last week of XX/XX/2019, I contacted PNC Loss Mitigation via phone and spoke to the same representative twice that week. They said they finally received my completed application ; however, she stated in both conversations the demand letter sent and the payment must be made in full by XX/XX/2019, or they will initiate the foreclosure process and attorney fees will be included. I have contacted the California Fair Housing Bureau as well and they suggested I contact the Consumer Finance Bureau due to unfair treatment. I have e-mailed my Loss Mitigation point of contact ( as she is supposedly back in office ) regarding these issues, on XX/XX/2019. I believe PNC Mortgage is conducting dual-tracking and misrepresentation which are violations.
Company Response:
State: CA
Zip: 94591
Submitted Via: Web
Date Sent: 2019-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-08
Issue: Problem adding money
Subissue:
Consumer Complaint: Ive been trying to get PNC Bank to lift fraud alert since XX/XX/2019, and previously since XX/XX/2019. XXXX XXXX XXXX state its a bank issue, and PNC Bank says XXXX XXXX XXXX arent fully processing payment. Which is a lie, I can not even pay my bill online using WiFi, that means bank is stopping my debit transactions, slowed down my online XXXX XXXX XXXX XXXX and turned my data, calls, and texting off XX/XX/2019. All others transactions with my card work except XXXX XXXX XXXX, and expiration date is soon.
Company Response:
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2019-04-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I hold a mortgage through PNC Bank, as well as a checking account and a home equity line of credit. My original mortgage was opened in XXXX of XXXX, although I have refinanced it twice ( both times with PNC ). Because of the mortgage account, PNC offered a free checking account ( and in fact, they require you to have it along with the mortgage ). On at least three occasions ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), PNC has assessed a $ 15 monthly fee to my account even though this was not in accordance with the terms of the account. Two of these three charges overdrew the account. PNC has admitted the error was theirs each time and reversed the charges, including the additional overdraft fees. I am writing because this practice is unacceptable and puts an undue strain on customers. I should not need to police my unwanted checking account to make sure the bank is complying with their own policies.
Company Response:
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2019-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A