Date Received: 2019-03-13
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: Yesterday, XX/XX/2019, we went to PNC downtown XXXX, NC to talk to the loan officer about the loan we took out to replace the variable interest load with a fixed interest loan, our pay off balance yesterday was {$60000.00}, on the internet. This morning I get up and the loan is payed off and almost transferred. Problem is the Pay Off this morning is {$60000.00}. There should not have been any late fees or other charges. Yesterday when we were talking to the loan officer, she stated that the ( on line ) pay off balance was correct, ( when talking to another person on the phone to answer our questions about the difference in statement figures and on line figures ) she stated that the paper statement was incorrect and reflected the XXXX balance, on the XXXX Statement that we showed her. So it looks like the PNC Bank has charged us {$520.00}, to pay off the loan, we were told that we would not be charged to replace our variable interest loan with a fixed interest loan, the new and old loan were at PNC Bank, and there was not supposed to be a charge for closing costs on the new loan. SO WHY DID THEY CHARGE US {$520.00} TO PAY OFF OUR OLD LOAN? This question was asked yesterday, and the loan officer said she was confused and couldn't answer our question. OLD LOAN NUMBER XXXX None of the balance figures add up on this simple interest loan, and we want to know why?
Company Response:
State: NC
Zip: 273XX
Submitted Via: Web
Date Sent: 2019-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Had a HELOC with National City, was bought out buy PNC BANK. The loan borrowing period ended XX/XX/XXXX and a balloon payment was due. My DTI was not good enough to refinance but I was offered a 5 year fixed rate lock XX/XX/XXXX which I accepted before the balloon date as instructed in the letter from PNC. I started making the payments in XX/XX/XXXX however I had not received any statements from XX/XX/XXXX thru XX/XX/XXXX. In XX/XX/XXXX I received a letter from PNC that they were enhancing their technology and would continue to receive statements, I didn't receive a statement until XX/XX/XXXX, I made numerous requests for my statements which I still have not received for this timeframe. it was at this time I found out they didn't have the paperwork for the repayment option I was offered ( it was faxed from a local PNC branch ) so after many excuses from many different PNC customer service reps I found out by a message left on my home phone answer machine that I was not goin to be offered this option. Jump to XX/XX/XXXX I secure money to pay off the loan, I made an electronic payment over the phone and a specific routing number and checking account was used. The next day, I get a text alert on my phone telling me that my checking account was overdrawn. I went to the local PNC Branch and explained what happened. I was instructed to go to the bank where the money was located and transfer the money from the account that was authorized for the payment into the account that they took it from, which I did. Everything appeared to be ok at that point. I thought the loan was paid. I received a letter from PNC Bank stating that the loan was paid in full. The next day, the money was back in my checking account so I called PNC Bank to find out what was going on. I explained what happened and was told that PNC Bank would NEVER do that. Jump to XX/XX/XXXX. I received a letter in the mail from PNC Bank stating that the checking account that I used did not have sufficient funds to cover the payment. Now they are threating foreclosure.
Company Response:
State: PA
Zip: 15010
Submitted Via: Web
Date Sent: 2019-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-10
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: I tried trial wine offer from XXXX XXXX XXXX. I did not like the wine so I notified that I wanted to cancel the membership and the future shipment before the shipment was shipped. XXXX XXXX XXXX shipped the wine to me in light of my cancelation and charged my credit card. I did not receive the wine since I was not at home to receive it and I informed XXXX that I did not order the wine. The wine was returned to the shipper. XXXX XXXX refused to refund me. I spoke to an associate of PNC bank and informed PNC bank, the issuer of my credit card that I did not order the wine nor did I receive the wine. I further informed PNC bank that i wanted to dispute the charge. I was issued full credit. XXXX XXXX insisted on charging me {$20.00} for the return of the wine. I told XXXX XXXX that I was not informed the {$20.00} charge for the return wine when I joined the membership. Furthermore, I told XXXX XXXX that I cancelled the membership several days before the shipment was sent out. It was XXXX XXXX who shipped out the wine without my ordering. Then, without any contact or explanation from PNC bank, the XXXX XXXX XXXX charged me again for the wine I didn't receive.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2019-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-11
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: XX/XX/19 XXXX through PNC Bank {$290.00} to XXXX Reached out to PNC Bank, they won't reverse nor even assist. Requested the amount back from XXXX failed to comply.
Company Response:
State: NJ
Zip: 08854
Submitted Via: Web
Date Sent: 2019-03-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am writing this letter asking for assistance as I have run out of options in working with PNC Mortgage. I purchased the property in XX/XX/XXXX and after a couple refinances, became a PNC Mortgage holder in XXXX, where the mortgage has been since. At that point, I was already in a negative equity position due to the market conditions. Unfortunately, the loan was not HARP eligible, but I continued to pay as the property value depreciated each year by thousands. At one point, I was upside over {$50000.00}. My mortgage payment history was impeccable, though. In XXXX, we outgrew this home as we had 3 kids and not enough living space or bedrooms. Because we were still upside, I could not sell the home without losing money. At the advice of a mortgage loan officer at PNC, I attempted to rent this home and purchase a new one. I followed her instructions and got a tenant in the home starting XX/XX/XXXX and then purchased a new home with more space and in a better area for my kids ( school district was a priority ). My tenant paid me regularly and therefore, PNC Mortgage was paid on time. In XX/XX/XXXX, our tenants purchased a home and I found a new reliable tenant. Unfortunately, payment stopped coming in from my tenants due to their negligence and we found ourselves depleting our savings by paying two mortgages, my wife out of work, and legal fees for a nasty eviction process. After several months of paying two mortgages and my wife just getting back to work, I reached out to PNC Mortgage inXX/XX/XXXX to inquire about a hardship and/or any other alternatives. We discussed short sale because deed in lieu was not an option for my FHA loan. I was told by the mortgage representative from PNC Mortgage that if we decided to go the hardship or short sale route, they would not consider it until I was delinquent and in pre-foreclosure ( approximately 2 months past due ). After a really rough holiday season with our finances and making the most difficult decision we have ever had to make, we decided to miss our PNC Mortgage payment. This was extremely difficult because we had NEVER missed a mortgage payment in our lives and we feared losing our rental home because many attorneys and other clients said the PNC Mortgage Short Sale process is by far the worst. I heard it from so many people that we feared they would fail us, too. My wife and I have sentimental value because we got married while living in this home and had all three of our kids in this home. It was our first home and a place many of our memories were made. Worst of all, we paid PNC Mortgage on this home for many years while we were in a horrible negative equity position, but made good on our promise. We knew that would be irrelevant in the foreclosure or short sale process. Moving forward, we missed the two payments and started the process for hardships and short sale. I was immediately turned down by PNC Mortgage Hardship due to income. I was so upset and frustrated because just two months ago, a representative told me that based on my situation, this should be simple and to go ahead and missed the payments to get started. My only option now was to proceed with the short sale. I got an attorney to assist in the short sale because I was instructed by many to do that with PNC Mortgage. This was the same attorney handling my eviction, whom had a specialist in his office to handle short sales. After we finally evicted our tenant ( which took very long due to his situation and unfortunate experience with the system ) we quickly proceeded with the short sale as we were now 6 months past due. After thorough discussions with PNC Mortgage Loss Mitigation, our attorney, and several local realtors- we listed the home. Our balance was $ XXXX ( approximate ) at this point. We determined the best list price was $ XXXX due to some wear and tear from the tenants. Our realtor listed the home and I started doing small repairs ( paint and carpet cleaning ). During the first day of repairs, my contractors whom I paid, could not access the home. The padlock from XXXX XXXX XXXX was gone and replaced with a new padlock. The garage door was locked and the opener non-functional because it was unplugged. After having to pay carpet cleaners and painters to do NOTHING, I eventually went to the home to discover that PNC Mortgages vendors had entered the property and removed the padlock and created a post-sale sign in sheet in my property even though the foreclosure had not even begun. Apparently, PNC Mortgage accidently listed the home in their records as REO, which initiated a team to come in and throw away all the belongings in the home and secure the home. Multiple vendors came in and out of the home, unauthorized by me. After filing a claim with the REO team, it was discovered that PNC Mortgage had made the error in listing it as Bank Owned. I thought this was odd because they literally did it days after the eviction. It appears that when I called them to tell them the eviction was final and we were ready to start the short sale, they made their error and it started the process to secure the property. They destroyed the padlock from our realtor and threw away a lot of stuff that belonged to me and my kids that was safely stored in the garage and basement. After a couple days, they mysteriously located most of our stuff at a garbage field. Very disturbing. They brought the belongings back and left them in the garage. We eventually gained access by using the padlock from PNC to allow showings. Keep in mind, PNC Mortgage completely brushed off their error with no apology or consideration. I know that I was late, but I still owned the home. I was working with them for months to handle this professionally and accommodating. Actually, their vendors called me and were more apologetic than any one at PNC Mortgage. Fortunately, we moved quickly to list the home and we had nearly a dozen of showing the first week, many below the $ XXXX asking price and came up with an offer of $ XXXX that was put under contract. After months of slow processing from PNC Mortgage, our buyers walked away. We then worked with PNC Mortgage and realtor to re-list it at $ XXXX. Again, we had dozens of showings and an offer quickly close to asking price of $ XXXX, which we accepted. This time, the process moved quicker and PNC indicated before they proceeded and finalized the short sale, they would want to do an appraisal. We waited several weeks to hear back from them. After numerous attempts to get an answer, PNC Mortgage said that they wanted us to sell it for $ XXXX. This was astonishing because if this house was worth $ XXXX, I would not have to do a short sale. My many conversations early in the process with PNC Mortgage representatives never indicated that they thought I was in a positive equity position. How can they say that it increased in value by $ XXXX in 7 months? Considering the fact that I had several realtors call me to get my business and all of them wanted to list between $ 190k - $ 205k due to repairs and comparable in the area. We requested to see PNC Mortgages appraisal to see what they used to determine that value. We discovered that they did not use a local realtor, instead did a Brokers Price Opinion from hundreds of miles away. They had homes that were 700 - 1,000 square feet bigger, extra bedroom and bathroom, and finished basement on their comparables. As you can imagine, the buyer ( who was a cash buyer with a lot of time to wait out the process ) walked away and was not willing to negotiate as he felt he was already at the top of the market price. Again, trying to accommodate to PNC Mortgages instruction, we listed it at $ XXXX. We had 0 showings. During the course of this process, PNC Mortgage decided to come in and winterize the home ( even though we already had someone do it ). I am not sure what they did, but it appears someone unplugged the sump pump. I am not sure if it was a realtor from a buyer, one of the vendors that came in, or the people that came to winterize. I am also not sure if the sump pump was broken and they unplugged it to help me. All I know is that water ended up building up several inches and I had to get it cleaned, leaving marks and potential fear of mold. The home has now been pulled from the market due to the water damage, the outrageous listing price demand, and the failures and constant mistakes from PNC Mortgage.
Company Response:
State: IL
Zip: 60502
Submitted Via: Web
Date Sent: 2019-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-08
Issue: Getting the loan
Subissue:
Consumer Complaint: I went to apply for a loan with my bank ( PNC at XXXX XXXX XXXX ) and the man informed me that I should reconsider my application because I disclosed I may not have good credit. He denied to process my application and because of his negligence and unwillingness to help ( not the computer system ) I was evicted from my apartment in XX/XX/2018 and have been struggling to catch up since then. I only requested to apply for a loan of {$1100.00} and he first told me personal loans were from {$2000.00} ( base ) then told me I shouldnt apply for a smaller loan because my credit may not be good enough to qualify.
Company Response:
State: VA
Zip: 22304
Submitted Via: Web
Date Sent: 2019-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/2019 I went into PNC branch to dispute transactions on my account due to stolen bank information bank card and identify theft. I went over in detail from the printed statement and spoke to someone via phone while at the desk of banker all the transactions not authorized. From the theft of my PNC SmartAccess banking info, card and checking and routing number there were unauthorized charges. I advised all unauthorized events with date, time, and amounts. They began the dispute. The banker cancels and closed my bank card ending in XXXX and sent a new card to me. PNC Case # XXXX Total charges {$370.00} XX/XX/2019 I requested a provisional credit for the charges and have not received anything. XX/XX/2019 I initiated a call @ XXXX to speak with the dispute department because at this point no one called me or have I received letter of the dispute In mail. I asked the status of the dispute. Per the caller stated that they have determined that no error has occurred and Denied my dispute due to theft as a loss. XX/XX/2019 I stated this is unfair and to redispute this issue because as a consumer to a bank whom is insured FDIC am being failed by PNC. Stated that since a second redispute they will not offer provisional credit for for second disputes. I stated they never accommodated the initial dispute for provisional credit and they were rude. XX/XX/2019 I called and they denied my redispute. This now has placed a financial hardships and no resolution. PNC has not protected me or my money as a financial institution. I should not be at loss due to PNC feeling as their opinion not an error. Now I feel as though I am being discriminated and my rights are void. According to the policy PNC has {$0.00} member liability and 24/7 Fraud protection. I have been denied all of protection and policy and this is unfair and want to submit as a consumer. I have been with PNC for 4 years this is not protection.
Company Response:
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2019-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Several years ago I obtained a XXXX XXXX Mortgage from PNC Bank. All was good and I always made my payment 2-4 weeks ahead of time. At some point last year PNC Bank discovered that if I pay early I pay less interest. They changed their system and its been a disaster ever since. Every month it appears like I have not made the proper payment. They have flat out told me I can no longer make early payments as it will mess up their system. As a commissioned sales person I always like to stay ahead in payments just in case I have slow month. I can not do this anymore. I have received 2 calls over last 6 months regarding my " late mortgage payment ''. This infuriates me as I have never been late on a mortgage payment in 35 years. PNC really screwed up when they designed this loan. Not my problem. I did not even realize what was happening until the changed their payment system.Of course they lied to me for the first 6 months about the how's and why's of their system. I finally figured it out for myself.Once confronted with this info several phone reps have admitted how the system now works and why.It 's all about the interest they want to collect. Is it even legal for them to prevent me from paying early? Or to change the payment system?
Company Response:
State: FL
Zip: 33334
Submitted Via: Web
Date Sent: 2019-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Background : In XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) held both the Promissory Note and the servicing of the mortgage on my home. During the process of renegotiating the loan, the authenticity of the signature on the note came into question. Within three months of the signatures doubtful authenticity becoming apparent, XXXX sold the note to PNC NA ( PNC )., but retained the servicing. In XX/XX/XXXX XXXX started foreclosure action against me, using this spurious note. At the time, as per the Revised Code of Washington ( RCW ) 61.24 et seq., it was required the Beneficiary offer to mediate prior to foreclosure. I was not offered this option prior to commencement of foreclosure. I was informed, AFTER commencement of foreclosure, that I had chosen not to mediate. However, the date when I supposedly selected not to mediate, I was in a training class sponsored by the US Department of Commerce ( document I ). This falsified XXXX document was included in the Notice of Default in XX/XX/XXXX. One of the requirements of the mandatory Washington State foreclosure mediation process is for the Borrower to produce a government issued identification with a signature and address to certify that they are the owner and that they occupy the property. On XX/XX/XXXX, XXXX documented that the signature on my government issued ID did not match the signature on file i.e. the Promissory Note. At this time, XXXX XXXX, an organization contracted by the State of Washington to facilitate the mediation process, suggested that I contact an attorney as this problem was out of their charter. Mediation plans were agreed upon and proceeded, however, the Beneficiary failed to comply with the dates proposed and it had to be rescheduled several times. The mediation was held on XX/XX/XXXX. It was attended by me, XXXX XXXX, the alleged note signer ; my attorney, XXXX XXXX ; the mediator, XXXX XXXX ; attorney XXXX XXXX from XXXX XXXX XXXX XXXX ( XXXX ) the Trustee ; and a representative from PNC, XXXX XXXX. The PNC representative attended via telephone. PNCs representative put a proposal on the table verbally. It was agreed to by the parties. The Mediator agreed to continue the mediation to XX/XX/XXXX, after requested financial documents were produced. My documents were delivered to the Beneficiary in a timely manner ( XX/XX/XXXX ) showing the ability to meet revised loan requirements. On or about XX/XX/XXXX, the Trustee complained to the Mediator that documents had not been delivered, claiming that additional documents were necessary. These additional documents were in fact documents that were not articulated nor agreed upon during the first mediation session. The Mediator did not follow up on this claim made by Mr. XXXX with me as per Department of Commerce mediation guidelines. This specious claim by the Trustee ( XXXX ) effectively torpedoed the mediation process. On XX/XX/XXXX, XXXX announced it would cease operations on XX/XX/XXXX and all accounts would be transferred to other firms. In addition, on or about XX/XX/XXXX, XXXX XXXX XXXX employment was terminated at PNC. I filed a complaint on this matter with the Washington State Attorney General concerning the issues of misconduct and malpractice on XX/XX/XXXX. Sometime either before or after this XX/XX/XXXX date, the Consumer Financial Protection Bureau ( CFPB ), initiated an investigation into the Beneficiary according to documents obtained in discovery ( document II ). This electronic communication gives a date of XX/XX/XXXX. On or about XX/XX/XXXX a new Successor Trustee was appointed by the Beneficiary in violation of RCW 61,24,010. A restraining order was issued and the Beneficiary DISCONTINUED the foreclosure on XX/XX/XXXX. It was later ascertained that the order to DISCONTINUE the foreclosure sale was in response to action by the CFPB ( document III ). The term DISCONTINUE is a legal term used in RCW 61.24.et seq. It clearly states that a DISCONTINUANCE is issued when the terms and conditions of the Deed of Trust have been met to the Beneficiarys satisfaction at least 11 days before the sale date. In XX/XX/XXXX, I sued the Beneficiary and its Trustee for breaches of RCW 61.24.at seq. It wasnt until after the judge made the ruling that we discovered the attorney for the Beneficiary and Trustee had presented false documents in court, a CR -11, RCW 9A.72.020, and 18 USC 1621 violation ( documentation available IV ). I contacted the law offices of XXXX XXXX XXXX XXXX ( legal representative for both the Beneficiary and Trustee in this action ) and confronted the attorney with these facts that were confirmed by the State of Washington ( document V ). XXXX XXXX XXXX XXXX agreed that no further foreclosure action would be taken, as it would call into question the validity of all notarized signatures presented and attested to their authenticity in court. From XX/XX/XXXX to the present, there were numerous communications that occurred between the myself and representatives of PNC, In those communications PNC representatives stated numerous times, in writing and in recorded telephone conversations, that the Beneficiary was unaware of any activity that occurred prior to PNC becoming the Servicer of the loan in late XX/XX/XXXX, or any agreements that were reached verbally with XXXX XXXX XXXX XXXX. After filing papers in court to DISCONTINUE the foreclosure on XX/XX/XXXX, the Beneficiary then attempts for the third time to foreclose on the property on XX/XX/XXXX, approximately two and a half years after filing the Discontinuance. PNC, ( now the Servicer AND Beneficiary ) allegedly hired, XXXX XXXX as its attorney and XXXX XXXX XXXX as the Successor Trustee, in XX/XX/XXXX ( document VI ). COMPLAINT : PNC, XXXX XXXX XXXX ( XXXX ) as Successor Trustee, and its attorney XXXX XXXX have violated numerous sections of the RCW. To be brief, as this is not a complete list : 1 ) RCW 61.24.010 ( 2 ) The Beneficiary has appointed three Successor Trustees without any of them resigning. This statute gives the procedures for replacing the trustee. It gives specific instructions on documents that must be filed, including a document titled Resignation of Trustee ( RT ). The significance of the RT is it represents the surrendering of the originals of the Deed of Trust, Promissory Note, and Title back their original possessor. 2 ) RCW 61.24.010 ( 3 ). Under this statute, the Successor Trustee can not have a Fiduciary Obligation to the Beneficiary. However, XXXX mailed a letter via USPS dated on or about XX/XX/XXXX, in which XXXX clearly states that they are a Debt Collector for the Beneficiary. 3 ) RCW 61.24.020 XXXX and XXXX share the same address, office and phone number. This calls into question the separation between the Beneficiarys attorney ( XXXX ) and the Successor Trustee ( XXXX ). This calls into question whether the Successor Trustee could operate in an impartial manner. 4 ) RCW 61.24.030 ( 7 ) a The Beneficiarys claim was disproved in its letter on XX/XX/XXXX when it stated that the signature on the promissory note did not match the signature on the officially issued government identification. The notary process was also fatally flawed, which was communicated to XXXX XXXX XXXX XXXX in XX/XX/XXXX. 5 ) RCW 61.24.030 ( 7 ) b XXXX violated this statute when it declared that they were a Debt Collector and therefore had a Fiduciary Obligation to the Beneficiary. 6 ) RCW 61.24.030 ( 8 ) The Beneficiary or Trustee is required to send a document attesting that the Beneficiary is in possession of the Promissory Note, via USPS registered or certified mail, return receipt requested. The Beneficiary or Trustee did neither, as sending the document via USPS would have been in violation of 18 USC 1341 : Frauds and Schemes, since they were aware that the note was specious. 7 ) RCW 61.24.et seq A Discontinuance of a foreclosure is the attestation by the Beneficiary that the default ( s ) have been cured and the Trustees fees and costs are paid. In this case, the Beneficiarys current attorney ( XXXX ) has claimed ignorance of this Discontinuance of Trustee Sale and the legal ramifications of that action. 8 ) From the XX/XX/XXXX internal email evidence obtained through discovery for my lawsuit against the Beneficiary and the Successor Trustee, their employees received the message We are instructed to Cancel our sale on all CFPB Holds that are requested by our client. Another crucial communication occurred on XX/XX/XXXX, sent from the Successor Trustee to the XXXX XXXX XXXX XXXX to please provide a copy of the Notice of Discontinuance of Sale. Our attorney needs it for our defense docs in a litigation action. Was this yet ANOTHER litigation involving my mortgage or was the Discontinuance of the foreclosure on our home part of the settlement to reduce the Federal fine for PNC? Once that reduced fine was levied from CFPB, DoJ, SEC, the Federal Reserve, and/or Office of the Comptroller, etc., did the Beneficiary then wait for sufficient time to elapse to RESTART the foreclosure process in hopes they were no longer under scrutiny ; no Federal agency would be monitoring them ; and documentation could be conveniently misplaced, as evidenced by the lack of pass along documentation admitted by the Beneficiarys attorney ( XXXX ) in the XX/XX/XXXX mediation. As the email of XX/XX/XXXX uses the plural tense it can be surmised that this was happening in more than one of the Beneficiarys foreclosures. According to press reports there were thousands of botched foreclosures. Conclusion : From this initial review of the Laws of the State of Washington, no doubt there are other violations that can be sited. In the State of Washington, there have been approximately 400 foreclosures by XXXX in the last 8 months that may not be in compliance with RCW 61.24.et seq. Other states undoubtedly have similar laws on their books. It is my suggestion that the CFPB notify immediately all state Attorney Generals to place a hold on all foreclosures involving PNC, XXXX XXXX, and/or XXXX pending an investigation into their noncompliance.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-01
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: In XX/XX/XXXX, an indirect deposit was made from a XXXX XXXX in XXXX. I called PNC to let them know what happened and I was told that PNC was going to enter notes in the system and call the branch to let them know about the error. The problem continued to happen. And I kept calling every Monday like if it was my new routine. I received the same scripted message that they would call the branch. Long story short, the deposits stopped in XX/XX/XXXX. On XX/XX/XXXX PNC withdrew all the deposits from my account. {$1200.00}. I received no notification from PNC. So I called the bank and they said that they sent me a notification through the mail. When I asked them when it was sent, they said today. Which doesn't help me. So I was in the hole for {$1200.00}. My direct deposit reached my account and PNC took it. So my new balance was still in the negative. PNC corporate tried to remove some of the fees, but the fees continued to accumulate. What bothers me is that I'm paying for PNC 's ERROR! They advised me to do a cash advance from my PNC credit card to pay the debt. At this point I was furious and frustrated I just wanted to close my account, so I did do the cash advance. I went to a PNC branch in XXXX, IL. and they stated that in order to close my account I would need to be in " XXXX '' balance.So I did empty it out. And now PNC is racking up all kinds off fee 's on me. I'm super done with this. I'm trying to close my account. I owe nothing on the accounts. Please help! I have heard nothing but horror stories with PNC when people attempt to close their accounts.
Company Response:
State: IL
Zip: 60641
Submitted Via: Web
Date Sent: 2019-03-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A