Date Received: 2019-02-21
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I had a PNC checking account ( ending in XXXX ) when I was in college and closed the account over 10 years ago. However, I recently received a notice that this closed account was going to be upgraded to a Standard Account and I would be charged a monthly maintenance fee of {$7.00}. As directed in the attached letter, on XX/XX/2019, I called PNC and asked PNC to either 1 ) confirm that the account was closed and the letter and potential fees do not apply or 2 ) if somehow my account was re-opened, close this account. The customer service center refused to provide either of the above solutions. I have a FICO credit score over XXXX that I have worked for years to build and am very concerned with PNC 's approach here. They seem to make it near impossible to close accounts if somehow this account is still open 10 years after I closed it.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-20
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Hello, I tried to cancel my PNC Bank checking account online and it wouldn't let me. I talked to a representative on the phone to ask them to close, and they refused to and said I had to come in to a branch to close it. This is unfair- they are trying to start charging me more and I just want to close my account without the hassle of trying to get to a physical bank. Thank you, XXXX XXXX
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2019-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been repeatedly contacted by PNC Bank regarding a payment that I allegedly owe them. I have never had an account with PNC Bank, nor have I even been to any of its branches. I've never used PNC or any of their financial services. Yet, they keep terrorizing me. Every time I received a call from them, I called them back, taking the time to alert them to the fact they have a wrong number on file and kindly requesting that they change it. I went through this process a handful of times - to no avail. Finally, yesterday, I was called by their collections department as I was getting ready for bed. Having a collections agent call you is never pleasant, but considering the above, the incident was outright insulting and heavily frustrating. I have demanded that they cease the phone calls immediately, but seeing how my previous requests had been thoroughly ignored, I see no choice but to report them to the CFPB.
Company Response:
State: NY
Zip: 10037
Submitted Via: Web
Date Sent: 2019-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-21
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: i made my XX/XX/2019 payment onXX/XX/2019 at there branch and the check for XXXX which included an extra {$110.00} as my payment is {$380.00} said check cleared my bank the same day.today i received a call tell me i had not made my payment and that it was 2 weeks past due please note my payment is due on the XXXX even if i had not made the payment it would not have been two weeks late today. when i explained that to the very rude PNC rep that called me she then got even nastier and said if i wanted it fixed i would have to hold for 30 or more minutes. i told her to go to XXXX and demanded that she put her supervisor on the phone as they were wasting my time with there mistakes. she refused to do so. this is the 4th time that PNC bank has messed up my paments. I am always very clear when i make my payment and request that any and all over payments be applied to the outstanding balance on my load. I have an XXXX credit score and a perfect beacon score so there are really stressing me out with all of these errors on a simple car loan.
Company Response:
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2019-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had a car loan and the company told me they received the pay off check after it was totaled out. I paid several months for a car that was no longer in my possession and they marked two payments late because of the miscommunication between the bank, my insurance company, and the gap company. The bank reimbursed me for my car payments made after they received the pay off check as well as the late fees but will not remove them off my credit.
Company Response:
State: MI
Zip: 48186
Submitted Via: Web
Date Sent: 2019-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-19
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Bank has failed to provide required XXXX form for 2018 tax year.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I CO-SIGNED A 2ND, 3RD AND EVEN A 4TH PNC HOME EQUITY LOAN WHILE MARRIED. PROBLEMS STARTED WITH A DIVORCE. I AGREED TO REMAIN IN THE HOUSE WITH THE KIDS AND PAY THE MORTGAGES. HOWEVER, THE EX DECIDED TO FILE CH 7 BANKRUPTCY AND I WAS NOT GIVEN ANY NOTIFICATION. THE HOUSE WAS NOT REAFFIRMED. I PAY MY BILLS THRU MY ONLINE CHECKING ACCOUNT, ALL BILLS WERE BEING PAID ELECTRONICALLY AND WERE NOT MISSED, I USUALLY HAD BILLS PAID OUT THRU EACH QTR OF THE YEAR. BUT ... 1ST QTR OF XXXX, PNC MORTGAGE UPDATED THEIR COMPUTER SOFTWARE. I received notices in the mail declaring the loan payments weren't made. I logged into the online banking and confirmed payments were processed. I receive additional messages, but the Account numbers were not mine. I went online again. All of my account information was gone! I called, I received a general response " updating system, it will be resolved. We are having lots of problems. '' I continued receiving documents with strange account numbers and my online account information did not re-populate. I reached out to PNC again and it was a nightmare. Each time calling, you must identify yourself and go thru a verification process and explain the nature of the call. After that, I get transferred to either online banking or a loan department, and each time I have to redo the ID process. Only to find out neither can help me. The online department now tells me I can not have online access to the loans because I filed bankruptcy ( I did NOT ). The Loan Dept will not help me because I filed bankruptcy ( I did NOT ). I get transferred to another department that is actually servicing the loan and have to go through the ID process again. I inquire about what happened to my loans? I get a lecture about paying my loans. I explain I did pay my loans, I paid them online. They tell me I haven't paid my bill in months. I explain I don't have access, it disappeared. I explain the inaccurate warning letters I received saying I didn't pay the loans, when I have proof I paid the loans. I explain the inaccurate warnings that had wrong loan numbers. They explained when they updated the system all the loan numbers changed. I asked to have my online access reinstated so I can monitor the payments and balances like I did before. They refused to provide it because I filed bankruptcy ( I did NOT ). I explained I never filed bankruptcy. They explained, well, we don't provide online access to loans that are in bankruptcy. I said apparently you do, that's how you were accepting payments from me before and I want it back to monitor the payments. I have no other way of monitoring. I don't even get statements. My PNC information/contact online profile was updated and correct. When talking to the Loan Departments, they had outdated phone numbers and different addresses, which I had to update each time I spoke with a representative. They confirmed they had statements and documents " turned off. '' These phone calls have went on and on throughout the year. I've escalated phone calls. I've been passed back and forth to heads of departments. I've asked for a point of contact - one person who can resolve this complicated issue, no one could provide a single point of contact. I went into a branch months ago. I was very frustrated. I asked a branch manager for assistance. After waiting, as soon as I mentioned ONLINE BANKING ACCESS - he shut down and said I had to call online banking for that problem, he doesn't deal with that. I just left and said forget it. On XX/XX/XXXX my ONLINE ACCESS was restored, after I called several more times and threw a royal fit and escalated the problem again. I set up Payments to test. It worked, payments went through for each of the 3 Home equity Loans. UNFORTUNATELY, PNC LOAN BANKRUPTCY DEPARTMENT FORWARDED 2 OF THE 3 LOANS TO THEIR FORECLOSURE ATTORNEY. ONCE I HEARD THAT, I CONTACTED PNC RIGHT AWAY AND TOLD THEM TO RETRACT THE FORECLOSURE PAPERWORK ; IF -PNC RESOLVED/EXPLAINED THE LOAN ACCOUNT NUMBERS CHANGING -EXPLAINED NO MISSING PAYMENTS 1ST QTR '18 ( TRANSITION PHASE ) XXXX RESTORED MY ONLINE ACCESS TO PAY AND VIEW LOAN ACCT STATUS WHY WOULD PNC DO THAT? *Now I am suspicious as to why PNC allowed a 2nd, 3rd and 4th mortgage on MY home *Although I can reach PNC by phone, by mail and in person ; No one knows exactly who I should be talking with about my situation ( yes it's complicated ). *I have not received accurate information from PNC bank XXXX *I was not offered a Loss Mitigation Application. I did call and request an application and will complete the application. *I have been on the phone today with approved HUD CREDIT counselors to take every step possible to save my home. *I will do whatever I need to do to stay in my home with my daughter. PNC MAILED A CHECK TO ME FOR THE AMOUNT OF ONE OF THE LOAN PAYMENTS THAT PROCESSED ON XX/XX/XXXX AFTER THE ONLINE ACCESS WAS RESTORED. THEY ACCEPTED PAYMENT FROM ME. BUT MAILED A CHECK TO ME MADE OUT TO ME AND MY EX-SPOUSE THAT FILED BANKRUPTCY. DO THEY EXPECT ME TO FIND HIM AND ask HIM nicely to endorse the check? I CAN'T CASH this CHECK.
Company Response:
State: KY
Zip: 40165
Submitted Via: Web
Date Sent: 2019-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Ive been sent a letter in the mail earlier this year I believe in regards to a debt made out to me as a result of somebody stealing my identity. Sent money to my account using the routing number and my account number and used my card to buy stuff which I did not authorize. I called to speak on it and was told Ill be called back but never was. This was I believe two years ago as well.
Company Response:
State: GA
Zip: 30152
Submitted Via: Web
Date Sent: 2019-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-16
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: There were a few international charges that were flagged by my bank. I immediately called and had the card shut down and a new card was issued. I was told I was not responsible and the money was put back into the account. Several days later the charges reappeared. When I called the bank I was then told that I was given mis information by the analyst. Charges are still occurring days after the card was shut down. Now there telling me that I have to file an investigation when this card was allegedly shut down and the charges were removed from my account.
Company Response:
State: PA
Zip: 15101
Submitted Via: Web
Date Sent: 2019-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PNC sent a letter on XX/XX/XXXX saying that they were forgiving debt of {$58000.00} and discharging a property lien.The only obligation I had with PNC was a mortgage of XXXX and a second mortgage of XXXX that they sold to XXXX.These were both obligations that I had no personal responsibility on but were attached to my property I followed up with PNC and was told that the XXXX 2nd lien on my property would be released. This was never done and instead PNC sent a mortgage discharge of a mortgage that no longer existed on a property that I didnt own.I complained to PNC about this at least 11 times in writing in XXXX and filed a complaint with the CFPB.PNC discharged a mortgage that didnt exist on a property that i didnt own and said they forgave debt that i didnt owe.This was wrong and illegalYou can not " forgive '' something that is no longer owed and that is what they are taking credit for.. PNC was using this " debt forgiveness '' as a means to satisfy the XXXX XXXX dollar fine levied by the federal reserve on XXXXThe fine could be satisfied by forgiving legitimate debt, instead PNC tried to forgive debt that wasnt really owed and that they couldnt and wouldnt collect PNC then sent on XX/XX/XXXX a 1099C saying they forgave the above debt ( that I didnt owe and that was discharged in Bankruptcy ) .I did not owe any debt to PNC so they could not forgive it.PNC committed tax fraud and regulatory fraud by saying they forgave debt that didnt exist and using the forgiveness to satisfy their obligation to the federal Reserve ironically as a fine for unsound mortgage servicing practices. I am attaching debt forgiveness letter, Federal Reserve Memo on PNC fine, emails showing my repeated contact with PNC on this issue and the 1095c they recently sent.
Company Response:
State: MA
Zip: 01801
Submitted Via: Web
Date Sent: 2019-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A