Date Received: 2019-02-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Loan number:XXXX What happened? XX/XX/XXXX I signed for a heloc loan which was due paid in full in XX/XX/XXXX XXXX. or refinanced by XXXX XXXX. because of the financial crisis of XXXX XXXX XXXX merger with national city and pnc bank . I was told to not worry about the XXXX due date and just keep making the payments because they could not find my loan documents and that I would get a new document with a new date for me to sign. I went to my branch a few times to refinance or get information way before the loan due date of XX/XX/XXXX and I was told not to worry just keep making my payments which I did. In all this time I have never been delinquent or asked for a loan modification or any hardship assistance or benefits. I have never been delinquent or late on my first mortgage or my heloc second loan with pnc bank. This loan was for 10 years they have never sent me any documents or paperwork with a new loan due date. In XX/XX/XXXX bank letter I received a letter from pnc saying that my heloc loan borrowing period was ending XX/XX/XXXX and I have 3 options, refinance, pay the balance or may be eligible for other repayment options and I would receive a notice with a change of my minimum monthly payment due. I was never told in writing or verbally that the full loan payment was due now or the urgency involved. I then went to my pnc branch and spoke to XXXX she told me I could not use the credit line any more and my interest and payment would go up monthly that i was better off refinancing the loan for a lower interest rate and monthly payment instead of continuing to pay the higher amount. I also had called the bank and spoke to a few more people looking at what finance options I have the answers were all different. In XXXX I spoke to the pnc loan officer XXXX and filled out an application because he sounded more knowledgeable and gave me better information and options to refinance or get an installment payment loan and had explained to me all my finance options. I filled out the application and submitted it. I was denied because of serious delinquencies on my heloc loan and the loan was closed and in default triggering my bad credit score. That is impossible because I have made all of my payments on time. Loan officer told me this is why my loan was denied and I had a hard inquiries from pnc that also lowered my credit score. I also for the third time asked for copies of my heloc loan and he requested them but I never received them. I had asked for this before at least twice from the bank and have never received them. My loan officer told me to request an extension that I would get that no problem but I also was denied an extension for no reason. I told him I was denied for an extension he was shocked and baffled when I told him this. I received a copy of my credit report it show that I was behind on my second mortgage payment and that I owed a XXXX XXXX bill of {$250.00} I called the company they told me they did not receive payment and I authorized them to take money from my account which they did and marked the account paid in full. I also seen the pnc heloc loan had late payment of {$23000.00} for the full amount and the account was closed. which they never notified me that the account was closed and the full amount was coming due and needed to be paid in full. The heloc loan had an XX/XX/XXXX due date not a XXXX due date. The bank never sent me any paperwork or documents extending my due date or when it would be due in full. I always got the run around. Considering I have more that {$120000.00} of equity in my home I would never default or let the bank take the property. I would prefer to refinance or sell the house and pay the bank the money owed and not risk my retirement savings. But I never received any documentation or proper legal notice of my due date. A 30 day notice is not enough time to do anything. When I got my heloc loan I signed papers and I knew way in advance that the loan would become due in XX/XX/XXXX. If I would have gotten proper and reasonable due date of at least 1 year or 6 months advance notice and not had the fraudulent inaccurate reporting to the credit agency this could have all been probably fixed and avoided. today I continue to make all my payments and I am not behind on any payments as agreed upon by the terms of the loan and that for this reason I am not in default triggering a foreclosure or the loan being called due. Now I called the bank and they told me to speak to there bankruptcy department. That does not make any sense. I have also been waiting for my legal heloc loan documents that I signed and have requested 3 times. I am requesting these documents again saying the loan is due and must be paid in full XX/XX/XXXX. I feel sick and discriminated against by this bank in the way they have treated me unfairly and unjustly. I have health issues and have been able to make all my payments till the present time. The only hardship I have was created gross negligence and fraudulent deceptive practice of pnc bank. Supporting documents : heloc loan documents payment printout to bank on loan matured note demand stating the loan was payable in full on XX/XX/XXXX credit report showing credit score and what has been reported by pnc bank. bank letters pnc bank XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX corporate office HEADQUARTERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Company Response:
State: IL
Zip: 60402
Submitted Via: Web
Date Sent: 2019-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had gotten a loan modification with PNC Bank but the payments show as late even though I made all the payments according to the guidelines on the loan modification. I would not have gotten the final modification if I were late on the payments during the trial modification period.
Company Response:
State: CA
Zip: 91342
Submitted Via: Web
Date Sent: 2019-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-28
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I opened a Student Checking Account with PNC bank in XXXX. One of the benefits touted by the bank representative at that time was that the Student account and account terms would remain in perpetuity for as long as the account was open regardless of student status, and that the benefits of the Student Account would be enjoyed for as long as the account was open. PNC Bank has tried repeatedly to change my account type with my consent, but there was never any benefit to me as a customer to do so. I received a letter from PNC XX/XX/XXXX stating that my Student Account would be changed to a Standard Checking account without my consent. For over 15 years I have had this account knowing PNC could not change my account without my consent. Now the bank is attempting to pull the wool over my eyes and assert it is within their right to do so. They claim that my account allows for this, which it does not. They have agreed to send me a copy of the account terms however have not assured me that this matched my original account terms. I fear and suspect the terms have been altered without my consent as well to suit PNC 's goals.
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2019-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I closed on a Home Equity Loan with PNC in XXXX of 2018. I have made extra payment towards the principal using the process I was advised to use when speaking to a PNC representative. I was advised to use the online transfer method and schedule it as reoccurring. Instead of applying the payments to principal, they've been applying them to interest. I've spoken to PNC on 4 occasions in an attempt to have the payments reapplied. Each time I'm told that they will correct the error but it will take a few days. Each time I call back and the issue has not been resolved. Because they are incorrectly applying the payments, they are showing my account as past due. I've asked twice for a print out of my account transactions. Both times I've been told that they'll send it but I haven't not received it. I'd like my payments applied correctly and to confirm that they have not been reporting my account as past due to the credit bureaus.
Company Response:
State: FL
Zip: 33405
Submitted Via: Web
Date Sent: 2019-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We are a real estate company representing a couple who are experiencing a financial hardship and can not afford to keep their home. They have two mortgages on the house, the first mortgage is with XXXX XXXX to whom they owe {>= $1,000,000}, and the 2nd lien holder is with PNC Bank to whom they owe {$190000.00} for an equity line. We submitted an offer for {$800000.00} and were approved for a Short Sale with the 1st lien holder on XX/XX/XXXX. They are paying for all taxes, escrow fees, commissions and paying {$6000.00} for the 2nd lien to be released. PNC Bank is not accepting the {$6000.00} as they want a minimum of {$100000.00}. We have tried negotiating with them sinceXX/XX/XXXX as we do not want the home to go to foreclosure but it has all been in vain. We have lost several offers due to them not willing to come to any terms and automatically close the file as soon as we submit a new short sale request. We don't believe that PNC Bank is negotiating in good faith and is neglecting to cooperate. It is customary that, regardless of the debt, 2nd lien holders get up to {$6000.00} which is what they are being offered. We currently have an active offer for {$900000.00}, we do not want to loose the buyers after all the work that has been done to help our clients avoid foreclosure and this is why we are turning to you for help as you are our last resource.
Company Response:
State: CA
Zip: 95123
Submitted Via: Web
Date Sent: 2019-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-27
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: My aunt went into the hospital due to a major XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX a fraudulent check was written and cashed in her name for {$38000.00}. Once this was discovered by my aunt through her monthly checking statement she followed all of the protocols required by the bank to have the money reimbursed. On XXXX, XXXX, XXXX PNC Bank reimbursed {$28000.00} of the stolen money. As of this date, XX/XX/XXXX the remaining {$10000.00} has yet to be put back into the account. My aunt passed on XX/XX/XXXX without this being resolved. She put me on her checking account before she passed. I am now taking care of the bills for her home and attempting to get the process started to become executor of her estate which this money would allow me to cover the court filing fees which I can not currently afford. This money is important to me moving forward with handling the business I need to take care of. My most recent correspondence with this situation has been with a follow up call from their fraud investigator saying that their back office was looking into the matter on XX/XX/XXXX. I only receive follow up calls once I take the initiative to reach out to them. I need this money put back into the account immediately.
Company Response:
State: DC
Zip: 20017
Submitted Via: Web
Date Sent: 2019-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-26
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/2019 I made a monthly loan payment to PNC bank and the branch manager made my payment into the wrong account ( I assume it was in her own personal account ). I began getting late calls and mail. I contacted PNC and shared my receipt and canceled check and basically they could give a crap. Told me it would take up to 10 days or more to resolve this matter. They arent sure how to handle the late fee, which was assessed due to the branch manager placing my {$1100.00} into the wrong account. They have stolen my money and even though they have the receipt and video on this transaction they tell me its internal and they cant discuss this with me. My payment was made 6 days before the late due date. Im worried about my credit and future payments since they are totally incompetent and are protecting the theif branch manager, XXXX XXXX, XXXX XXXX branch in XXXX Ga.
Company Response:
State: GA
Zip: 30004
Submitted Via: Web
Date Sent: 2019-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-26
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I tried to open a bank account recently and was denied. I'm unsure why I was denied because this would be my first time attempting to open an account at a major bank that isn't online. I have tried to reach out to the bank to get the item removed off of my background and remove my info out of XXXX. This has caused issues in my life as far as financial strain & not being able to get a loan during hardships. I have never signed or authorized for an account with PNC bank. I have filed a police report referencing the account and sent it to the bank in question. I need this information removed as soon as possible so I can gain my financial freedom back.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2019-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-26
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: On XX/XX/2019, I wanted to purchase online an Airline Ticket Internationally on a XXXX XXXX. The transaction was declined, So, I called the Customer services of the PNC Bank to Authorize the transaction, after verifying my self and while I was on the phone with the bank 's agent she asked me to try process the payment again and it was also declined, then they transferred me to the supervisor to remove the fraud alert on the car, and I was on phone with him made the purchase it was finally successful and Airline issued me the PNR Reference and Ticket and I have received an E-mail from the bank with the transaction details. On the Morning of XX/XX/2019 at XXXX ; XXXX XXXX was my flight, I went to the Airport and found that my ticket was revoked and canceled without any Notice either from the bank or the Airline, and After Inquiry, they stated that the bank did instruct the Airline of revoking this transaction due to fraud alert. I called the PNN bank and filed a complaint under the number : XXXX the same day. Bank have replied that they had to take this action despite the fact that I took the required actions by verifying and cleaning the Transaction. Bank has refused to provide the proper remedy or a resolution to my complaint and compensate me for the losses I sustained due to their revoking the transaction and my trip although, I have followed the proper procedures in such fraud alert at case by calling the bank and with their guidance and instructions I was able to buy the Airline Ticket. I have been damaged by the Bank wrong actions, despite I had complied with all the proper procedures to validate the transaction. 1- The reasoning that I should have called them to remove the alert and clear and approve the transaction which I did. It is provided by the following evidence : 1- The Transaction made and a bank receipt was received for the transaction. 2- a Phone call made prior to the bank to validate the transaction to the XXXX XXXX XXXX XXXX lasted for XXXX Minutes and XXXX seconds. ( this is where I was on the phone with bank verifying and acknowledging the transaction, which resulted and end of buying the Airline Ticket and transaction was successfully made ). 3- The Whole Transaction was made by my Credit Card where is My Name is there and the Name of the Passenger is The Same as the Name of the Credit Card Charged. So, How this Could be a Fraud? and The Airline Has these Data under the PNR reference. Finally, Today, I called the Escalated Department of the Bank where they refused to offer any equitable solution nor taking any account or responsibilities of their actions that cause my monetary loses as well as emotional stress. 2- bank refused my request to speak with their XXXX to address my case and informed me that this is the hights it can get, No resolution and no further action can be made. Therefore, I'm filing this complaint with CFPB against the PNC Bank, asking for a proper monetary remedy under the law and as per the consumer protection law and any other applicable USA laws. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXX XXXX
Company Response:
State: CA
Zip: 90503
Submitted Via: Web
Date Sent: 2019-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: I located a XXXX post for an upcoming XXXX XXXX game and texted the seller about the tickets on Saturday, XX/XX/2019. - His original cell phone number was XXXX. - The offer was for 4 tickets, {$90.00} each. Total of {$360.00}. - The agreement was for the seller to transfer 3 of the 4 tickets to my XXXX account first, then I would send payment, then he would send the 4th ticket to complete the transaction. - I received an email from XXXX at XXXX that 'XXXX XXXX sent you tickets ' - The transfer was complete and I had 3 of the 4 actual tickets in my XXXX account - Then the seller asked if I can pay with an app called XXXX. My bank, PNC Bank, is integrated with XXXX so I felt comfortable using it at the time. - The seller sent a payment request to my XXXX account from XXXX XXXX ( XXXX ) XXXX ' for the {$360.00} payment we agreed upon. - I accepted it, and the seller told me I would have the 4th ticket soon as he was transferring it. He never did. Stopped responding to text messages, calls, etc. - I received another email from XXXX at XXXX telling me that the tickets which were transferred into my account were fraudulent.. " Unfortunately the original tickets were obtained fraudulently and the original order was cancelled which means the tickets transferred to you are no longer valid for the event '' - I called my bank, PNC Bank, at XXXX to put a stop on the payment to XXXX since it was still pending. They instructed me that because it was still in flight, I had to wait until it posted for them to do anything about it. I was told to call back on Tuesday morning. - I called back Tuesday morning, and PNC told me there was nothing they could do.
Company Response:
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2019-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A