Date Received: 2019-03-25
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: For almost three years I have been a member with PNC. For the past 2 years, I have been receiving direct deposit on Monday from XXXX in the amount of XXXX. On Friday XX/XX/19 my check was direct deposited from XXXX to PNC. On Monday XX/XX/19 I checked my account to find that it was negative in the amount of XXXX. At XXXX XXXX I called PNC only to be told that if I dont get the Funds in my account by XXXX on XX/XX/19 I will be charged a overdraft inwhich all of the fees will not be reversed. In the 3 years I have been with PNC I have probably overdraft my account twice. And obviously today it is a glitch in the system. So for them to try and hold me accountable for all these fees and reverse them is ridiculous!!!! Especially when none of this is my fault. I have had issues with PNC and their system glitches in the past taht lead to several of the same transactions being taking out multiple times. So who am I to believe that this is anything different!!!!
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2019-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-22
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Dear PNC bank and Cfpb this bank refuses to close my account, and they are starting to tell lies now. I have never seen PNC at this way before I am so shocked, and a lady called me yesterday on the phone and said she would send me the {$12.00} the bank took this money with out my knowledge from my social security deposit money that was coming in. Please have them close my account today.
Company Response:
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2019-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-22
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: PNC Bank has contacted me numerous times the past few days and every attempt I make to answer the call their call disconnects immediately. I know their calling because my checking account has been over drafted for a long period of time, and I'd be happy to explain to them how I can repay the debt and what to expect moving forward however I can't do that if they keep hanging up on me after initiating the call.
Company Response:
State: OH
Zip: 45440
Submitted Via: Web
Date Sent: 2019-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-22
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have had my account charged an overdraft fee multiple times for the same instance on multiple occasions. On XX/XX/XXXX I spoke with a PNC representative about the multiple charges and was assured that the multiple instances were for charges that were already pending and would not occur more duplicate charges, I then received 3 duplicate overdraft charges the next day totaling {$100.00}. I was also given 2 overdraft charges for the same {$16.00} charge on XX/XX/XXXX. I again spoke with a PNC representative, was escalated and called by by a supervisor, and was told that the first charge was for a {$94.00} charge the previous day, however even their own account software shows that I had a positive balance that day. The PNC representative then tried to explain to me that I could avoid the charge by improving my spending/saving, and while I agree that it would have prevented the issue, that is unrelated to the erroneous charges and the PNC supervisor would not address them.
Company Response:
State: IN
Zip: 467XX
Submitted Via: Web
Date Sent: 2019-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: i sent a letter to PNC dated XX/XX/2018 they never responded so i done more and more research how to go about information being reported incorrectly. They are saying {$400.00} was written off. This is false ive sent them multiple letters no response.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2019-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-21
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX My husband and I are trying to get a home loan, but PNC bank has reported negative info on our credit report dropping our score to disqualify. After contacting the company directly I got no clear reason or itemization on the debt.
Company Response:
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2019-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage is a fixed rate fully amortized installment loan. The payments are automatically deducted on the same day of the month, every month since the loan first originated to take advantage of a rate discount. Although the payments are auto-deducted, I still receive a paper statement. On my paper statement, it provides a breakdown of my payment stating how much will be applied to principal and interest and there is also a section that lists previous payment and how the payment was actually applied. Aprox a year ago, I noticed that the amount that was stated going towards principal was not applied. My statements would indicate a higher portion that would be applied to the balance only to see on the following statement that a lessor amount was actually applied. Some time in XX/XX/2018, I had contacted the lender by phone and also via online chat to inquire about this and was simply informed that the amounts that were reflected on previous payments section were correct but was given no explanation for why my statements continually indicate a higher principal payment portion. Concerned about whether this discrepancy will pay the balance in full at the time of maturity, I requested an amortization schedule. However, the document I received was just a payment history of my mortgage. I made another request via online mortgage customer service message and received another payment history. When I called I was informed that they do not have one to furnish. While my P & I payments are fixed and paid automatically the same day each month, I have no way of knowing how much truly needs to be applied to pay the balance in full at maturity. Typically you trust that the lender has set it up correctly, however, I can not get an explanation for the discrepancy in how or why my payments are being mis-applied each month and whether my unpaid balance is correct. Without an amortization schedule, I can not reconcile that the payments are applied correctly especially since my paper statements is misleading. I have included several months statements for supporting documentation.
Company Response:
State: IN
Zip: 475XX
Submitted Via: Web
Date Sent: 2019-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-21
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My wife and I opened a High Yield Savings Account with PNC Bank Account on or about XX/XX/19. As part of this process, we funded the account with all of our savings ( {$150000.00} ). PNC sent out a registration form for us to confirm the opening of the account, which needed to be returned within ( approximately ) 30 days. Due to us moving apartments, the slow redirection of this mail meant that we missed the 30 day period. We called PNC last week Tuesday XX/XX/19 and was informed that our account was closed on XX/XX/19 and a check for {$150000.00} was sent to us at our new/correct address, but was sent with no tracking or any other way of evidencing its sending or receipt.. This check was not received by us and is still missing. We requested to speak to a manager and spoke with XXXX - who told me that she would follow up and contact me the next day. XXXX did not follow up so we called XXXX on XX/XX/19 and left a voicemail to follow up. There was still no call back from XXXX and we called PNC again on Friday XX/XX/19 and spoke with a person named XXXX who said that he would send the message to XXXX and mentioned that I needed to sign a document to stop the check. On XX/XX/19 - We called XXXX again and pressed XXXX due to no answer. We were transferred to XXXX XXXX. XXXX told me that the check was sent and it was outstanding-meaning not cashed. I informed her of the history and that we havent received check. XXXX faxed us the form that requires our signature to stop the check. This form requires us to fully indemnify PNC for all liability related to the check. I am outraged at this. PNC decide to mail a check to a customer for {$150000.00} with no tracking, and the only way that I can stop that check and ever receive my money back is if we indemnify them for what I consider to be a negligent and reckless practice. I was escalated from XXXX to XXXX XXXX who confirmed that the only way I will ever get my money back is if I sign this indemnity, covering all losses associated with PNC 's practice of sending checks of {$150000.00} to consumers with no security or tracking procedures. I am now stuck and do not know what to do.
Company Response:
State: CA
Zip: 941XX
Submitted Via: Web
Date Sent: 2019-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I informed my credit card company I would be traveling overseas. At no time did they inform me that they levy an additional fee of 3 % against any foreign charges. While overseas on business travel I charged approximately {$15000.00} which I am now told will incur fees of {$450.00}. When I questioned why this wasn't explicitly disclosed to me when I called them I was told that it was in the " credit card agreement ''. In my opinion the PNC rep I spoke to when informing them of my travel plans should have disclosed to me the 3 % Foreign fee charge. This type of " gotcha '' approach is something I never expected from PNC. Had I known about the fee I would never have used the PNC card. I think PNC 's failure to explicitly disclose this fee is negligent at best and dishonest at worst. I have asked for them to refund the fees but have been told they will not.
Company Response:
State: PR
Zip: 009XX
Submitted Via: Web
Date Sent: 2019-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have established an in-bound Credit ACH from PNC 's home banking platform. PNC sends the request via ACH to XXXX XXXX for a Debit of {$1700.00}. XXXX debits my checking account onXX/XX/2019. PNC does NOT reflect the deposit on XX/XX/XXXX nor XX/XX/XXXX, it is reflect on the third day as PENDING ( funds not available ), and will reflect the deposit on XX/XX/XXXX as available. If I were to make this local deposit ( Both Banks in the same Fed District ) at an ATM or Teller, the funds would be available overnight. If I use mobile deposit, the funds are available overnight. The external monthly reoccurring platform parameters/software/third party provider is preventing consumers access to their funds, potentially creating overdraft situations. While PNC states that external transfers could take 3-4 days (???!! ) to post, it is not consistent with their funds availability on other platforms ( ATM, Teller, or Mobile ). This is a problem.
Company Response:
State: DE
Zip: 19958
Submitted Via: Web
Date Sent: 2019-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A