Date Received: 2019-03-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is a new loan that was originally w XXXX XXXX. It was sold to PNC. I made the first payment to XXXX XXXX I paid an additional {$800.00} + above my payment amount which was to be applied to principal. XXXX XXXX made 2+ months payments charging me double interest. I called them explained my intention was to apply all to principal not to pay multiple months. They corrected the payment and the loan was sold to PNC. PNC is not giving me credit for the $ XXXX For reasons unknown to me. I began contacting them the first week of XXXX by phone, and email. I keep being told its under review. It has been almost 2 months since the payment in question was made. I dont know what to do ; but I do know what I paid.
Company Response:
State: NY
Zip: 10462
Submitted Via: Web
Date Sent: 2019-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-28
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: This is regarding an {$89.00} fee. The credit card I mention was closed in XXXX of XXXX. Yet, an automated transaction went through on the account XX/XX/XXXX. This means the bank and the bank card approved a transaction on a closed credit card account. There is still no available credit balance on the account. The account is still closed. The bank refuses to remove the charge. This is their mistake. When I called them about it they refused to do anything about the transaction because the company sent the merchandise. How can a credit card company let a transaction go through on a closed account, when the consumer is not expecting a charge to go through at all? In all of the years I've used credit cards, I've never seen a credit card company allow a charge on a closed account. This company is PNC Bank, and their PNC Cashbuilder card.
Company Response:
State: NJ
Zip: 08081
Submitted Via: Web
Date Sent: 2019-03-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I opened a new credit account on XX/XX/XXXX with PNC Bank where I have a number of bank accounts, credit, checking, personal and business. I never received any bills, notices, etc. for the account and payment due. The last amount of approximately {$250.00}. I found out the week of XX/XX/XXXX while applying for a mortgage that the bank had reported to the credit bureaus that I was 30 to 60 days past due. I logged on to my virtual wallet account at PNC and could not find the account in question as it did not show up in my virtual wallet that I set up with PNC personnel for all of my accounts. I worked with PNC personnel to try and find the account information. After searching PNC customer service figured out where the account information was located. I paid the amount due on theXX/XX/XXXX paying {$440.00} as a transfer from one account to the other. The Customer Service person indicated that they had the wrong email address for my communications and had that PNC never set up my virtual wallet account, etc. The account was supposed to be in my virtual wallet and autopay, the bank never put the account in the wallet as the other accounts. There was plenty of money in the accounts to pay the bill. The account is now in my virtual wallet however I still can not see any bills due, detail, etc. After I spoke spoke to PNC Customer Service I spoke on theXX/XX/XXXX to the PNC Collection Department and they said that they showed the payment, and said that they would reverse the late fee and interest {$65.00} in late fees and {$3.00} interest total, but have not done so and it is not in the pending transactions, for the mistake. They also are not removing the negative information from the credit bureaus as the person said that they could not do it even though PNC personnel failed to set up the account properly. I am damaged as my credit report for a new mortgage shows this negative information and as a single mom who has never missed paying a bill may have to sell my house if I can't get a mortgage.
Company Response:
State: PA
Zip: 161XX
Submitted Via: Web
Date Sent: 2019-03-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: While I was out of the United States, without my knowledge or permission, sixteen checks totaling XXXX were fraudulently written against my checking account.. The checks were forged between XX/XX/XXXX and XX/XX/XXXX. Upon my return to the United States, I went to the bank to withdraw funds for my needs and discovered the account was empty, I spoke with the bank official who acknowledged that the checks were written and cashed during the 2-1/2 years I was outside the United States.. On XX/XX/XXXX I reported the forged checks to the police department. On XX/XX/XXXX the person who forged my signature and cashed the checks was arrested and charged with 16 counts of Forgery of Endorsements. I am an elderly person, and the account was used for the Social Security Administration to deposit my social security checks.
Company Response:
State: NC
Zip: 27834
Submitted Via: Web
Date Sent: 2019-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-26
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: This will be the same issue I have had a couple years ago when I contacted CFPB. For the past year PNC changes the order of posting and causes extra Overdraft fees at XXXX each. My account is listed as opted in. I know I will be charged if my account is overdrawn. But I don't feel I should pay EXTRA fees because PNC CHANGES THE ORDER OF TRANSACTIONS. In other words if you had 3 {$20.00} transactions in the clear and then you have {$100.00} last, PNC puts the XXXX first and then charges you FOUR {$36.00} fees. This is what they have again done to my account for the past year.
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2019-03-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-26
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: PNC on XX/XX/XXXX assessed over {$100.00} on my account due to transactions that posted on my account on the same day, but were backdated and reordered on my account. I was not notified of any overdrafts until XXXX XXXX XXXX this XXXX and by this ppint I was already charged {$100.00} dollars in fees with no way to correct the overdraft. I called PNC and attempted to get the overdrafts credited, but I was steadily rebuffed by a customer service rep and a supervisor who told me there was no one else above her and I needed to go speak to a branch manager to go to a higher level. The branch manager seemed confused as to why I was told to speak with her as she was as limited in this capacity as a customer service rep. I was told to contact her regional manager and that again there was nothing that she could do to further assist me. At this point I am completely fed up with PNC and their attempts to charge me overdraft fees. I am constantly told by them about their " processing '' at odd times of the day, but if I as a consumer don't see these processes until the next day it seemes incredibly unfair to charge me overdrafts fees for transactions that show on my account the same day.
Company Response:
State: PA
Zip: 19018
Submitted Via: Web
Date Sent: 2019-03-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-26
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: PNC Bank repeated calls by their consumer finance division on their secure credit calls are now every 15-20 minutes! I have asked them repeatedly to stop but they continue
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2019-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-25
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: PNC BANK-they are very deceitful. Dear CFPB I have contacted PNC Bank at least 5 times now and they keep lying, they use to be a good bank -now evil. Now they have begun to put money into my account and saying that I put it there when in fact I did not, I talked with a worker from their Corp office and she told me that she would close it, but she did not. They keep it open because now they have put money there, and saying that I can not close it, because of the money {$170.00} - not mine.
Company Response:
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2019-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-25
Issue: Lost or stolen check
Subissue:
Consumer Complaint: My daughter and I sold a car that we were on the NOTE together. My daughter and her husband purchased a cashier 's check from PNC bank where they bank payable to XXXX XXXX on XX/XX/2019. The cashiers check was placed in the mail and sent to the address we were given by XXXX for payoff of the account. On XX/XX/XXXX this check cleared PNC account but our loan did not show paid in full and when calling XXXX were told no check was ever received to pay our account in full. We then checked with PNC immediately on the XXXX or the XXXX who informed us that the check was deposited into a XXXX account and that the monies were transferred from PNC to XXXX. Neither bank has performed any type of due diligence in assuring that the check was paid as written. XXXX should have never accepted a check made payable to another bank and PNC did not raise any red flags that they were transferring money to a XXXX account when the check was clearly made payable to XXXX XXXX. We have called and sat on hold, visited PNC and visited XXXX. Both banks blame the other and neither will admit to any wrong doing of their due diligence. We have requested a provisional credit from PNC bank to pay the loan in full that was meant to be paid and have been told no due to the amount. The lady we sold the car to is now driving around with illegal plates and tags that were simultaneously transferred to my son 's jeep but she can't get her own plates because we can't provide her a title with no loan payoff. My son is also driving around with expired 30 day tags. No one seems to care that we are in a precarious position with this nor will they make right a wrong that they have done by not doing their jobs to insure that we are protected as consumer 's. No red flags were raised at either institution and it's unacceptable. We have sat on hold, visited branches, and just keep getting tossed around and told our case would be escalated the next day each and every time, however no correspondence is being done on their end only on ours.
Company Response:
State: FL
Zip: 33455
Submitted Via: Web
Date Sent: 2019-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I went to the bank on XX/XX/2019 at approximately XXXX-XXXX to deposit {$100.00} cash into my account the money acted as if it was getting counted when I inserted it in the machine. It stopped gave me an error message saying to contact my financial institution, didnt give me my money back or any kind of receipt back. I have XXXX XXXX XXXX and I need that medication badly in all out and that was my last {$100.00}. I have PNC Smart Access and fret have been no help
Company Response:
State: IL
Zip: 60629
Submitted Via: Web
Date Sent: 2019-03-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A