Date Received: 2019-02-05
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I was a customer of PNC Bank. I had a personal checking, money market savings, business checking, business credit card, and auto loan all with this bank. I received solicitation from PNC on or about XX/XX/XXXX for a promotional 0 % APR balance transfer for business credit card. On XX/XX/XXXX I took advantage of this promotion and completed a balance transfer of {$5800.00}. They increased my credit line to complete this promotional balance transfer. On XX/XX/XXXX I received multiple letters from PNC for each account held with PNC stating that they will close all account on XX/XX/XXXX. There reasoning was that " they reserve the right to close accounts ''. Contacting them directly did not provide any more information. They closed the credit card account that we completed the balance transfer. And removed the promotional 0 % APR and now is charging me finance charges on this balance. I do not understand why they closed all of our accounts. We had done nothing against their policy. We moved all funds and opened new accounts at another bank. The issue we are having now is that the solicited us to do a balance transfer and almost immediately closed the account and removed their promotion. We pay {$500.00} a month and not missed a payment.
Company Response:
State: MD
Zip: 21740
Submitted Via: Web
Date Sent: 2019-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-05
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I request a credit limit adjustment to XXXX XXXX dollars to match most of my other credit card accounts from the other banks. My current credit score is XXXX & have been XXXX XXXX for over thirty years now.
Company Response:
State: DE
Zip: 19901
Submitted Via: Web
Date Sent: 2019-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX has been non-compliant with removing the unverified account PNC BANK, NA Opened Date XX/XX/2013 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that PNC BANK, NA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response:
State: NY
Zip: 10552
Submitted Via: Web
Date Sent: 2019-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I purchased a house in 2018 and took out a mortgage with PNC Bank. The property taxes on the house were due XX/XX/2018 and PNC did not pay them. I contacted PNC in XXXX and they said they had made a mistake and would pay them immediately. Today I found out they had not paid them. I called them again and they would not tell me when the overdue taxes would be paid or why they had not paid them. The loan number is XXXX. PNC 's telephone number is XXXX XXXX XXXX.
Company Response:
State: NC
Zip: 27511
Submitted Via: Web
Date Sent: 2019-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/19 XX/XX/19 {$500.00} I deposited a international check on the XXXX of XXXX. Was told that it would be in my account on XX/XX/2019 because it was in the collection procees. I called PNC in XXXX, alabama and talked to a teller named XXXX. She was very rude and unprofessional, when I asked if I could speak to the Branch Manager she told me she wasnt in today and that she wouldnt know. I told her that if she was barring me from speaking to somebody of authority than " this wouldnt work in her favor '' she then proceeds to say that Im threating her and that she would hang up. I then tell her that I have this converstaion recorded and if she lies on me I will try to get her fired for false accusation. She then changes her tone and denies that what she ment. She asked me who did I speak with and I tell her to " hold on and let me get the recording '' -- - it takes time to retrieve the recording because I have alot of them saved, while im searching, she starts to act like I wasnt on the phone and ask " are you still there '' I chime in and tell her to 'hold on and that you know I'm trying to locate this recording, so you can see that this is a ongoing situation and that I've already talked to a branch manager and she specifically told me the money would be in my account on the XXXX. She then claims Im yelling at her and she hangs up. I also want to note that on XX/XX/19 XXXX had hung up in my face but I decided not to report it due to reciver problems with my phone. I have the conversation recorded. I called PNC corporate but theu dont have a complaints department.
Company Response:
State: AL
Zip: 365XX
Submitted Via: Web
Date Sent: 2019-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/XXXX, my wife and I signed a Home Equity Loan ( HEL ) with PNC Bank. We began to make our normal monthly payments per the agreement. In XX/XX/XXXX, I decided to make extra payments to the HEL. I made our normal monthly payment for XX/XX/XXXX ( on XX/XX/XXXX ). I then initiated an additional payment on XX/XX/XXXX for {$1100.00}. At time of my submission, I noticed a check box asking if I wanted the funds to go toward the principle only. I left the box unchecked indicating that I wished this payment to go toward future payment due dates in order that the next due date of the loan would be pushed out one month. When this transaction was completed in the system, I saw that the due date had indeed moved forward one month ( the next due date for the loan had changed to XX/XX/XXXX - the extra payment did indeed go toward the XX/XX/XXXX payment. I then initiated another payment on this loan on XX/XX/XXXX for {$1100.00} following the same process as before ( which would go toward the XX/XX/XXXX payment ). After the transaction was completed in the system, I saw the next due date change to XX/XX/XXXX. I then continued to pay the HEL each month ( paying the XX/XX/XXXX charge on XX/XX/XXXX and the XX/XX/XXXX charge on XX/XX/XXXX ) and noticed that the due date continued to be pushed out two months ( taking into account the fact that I paid two extra months of payments in XX/XX/XXXX ). I then decided to make an additional payment on XX/XX/XXXX for {$1100.00} which allowed the next due date to be pushed out one more month ( making the next payment due date XX/XX/XXXX ). I have continued to make regular payments on the HEL since this time and saw the due date remain three months in the future. Then in the spring of XXXX, I received communication from PNC that they were going to be upgrading their systems. The system was upgraded and I did not think any further on this until XX/XX/XXXX when I noticed that the due date had reset and I no longer had the three-month buffer in the due date. I contacted PNC at this time in an attempt to have the three-month buffer on the due date re-established. I was informed by PNC that with the new system that I would no longer be able to push the due date out as I had in the past. I have attempted to remedy this issue multiple times since via phone and meeting with a person at our local PNC branch ( including submitting an escalation twice ). I do not remember seeing anything in my original agreement stating that I could not make advanced payments and, I was able to make these payments multiple times until the new system update in the Spring of XXXX. Now I am being told that my advanced payments are no longer valid. We Have talked to six different agents in an attempt to resolve the issue but without success so feel the need to issue a formal complaint with Consumer Financial Protection Bureau.
Company Response:
State: MI
Zip: 48187
Submitted Via: Web
Date Sent: 2019-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-31
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was in the process of making a partial payment to another party for a hotel/timeshare reservation. Upon the funds being pending/withdrawn I found out I was part of a SCAM. I contacted my back to see what could be done. Funds were sent via XXXX and they had informed me that my dispute wouldn't fall under any of there 4 categories. The only thing I could do is a small claims. My dispute is for {$250.00} that was withdrawn from my account on XX/XX/XXXX and now it's just gone. I guess hard lesson learned but sad that the bank couldn't do anything to help or look into it! Thanks.
Company Response:
State: WI
Zip: 53227
Submitted Via: Web
Date Sent: 2019-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-31
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and pnc bank all are reporting I have opened accounts with them on XXXX which is not true my identity has been stolen XXXX XXXX already confirmed I never opened a account with them in XX/XX/2016 now are saying I opened another account with them I never had a bank account with any of these Institutions I am a victim Of Other fraud credit cards being opened in my name my social Security and drivers license card were stolen these are police reports from Other companies to prove I am a victim Of Id theft the cops wod not allow me to make a police report for the banks cause its been over 6 months I dont live in XXXX XXXX never did yet its under my social
Company Response:
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2019-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-31
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: PNC mortgage provided an email confirmation of a rate lock at a very low rate during the initial conversation. They were aware we were speaking to multiple lenders. After we had selected PNC as a vendor and committed to a closing date of XX/XX/2019, the mortage associate raised the rate on XX/XX/2019, which gave us ver few options for moving forward apart from accepting the higher rate. PNC also agreed in writing to provide credit to cover appraisal and closing fees, but shorted the amount by approximately {$200.00} on the closing documents. They also refused to provide a secure file upload space for transfer of documents containing PII
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2019-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made a cash deposit using and ATM PNC Bank and eat my money, no receipts, I went inside and now I have a case, i was assigned to a person name XXXX XXXX, I call today ( this is the second day ) to know when I will have my money back and I was told that it will take at least 10 days to know it. XXXX dollars to pay my bills ... .what Am I supposed to do now.
Company Response:
State: FL
Zip: 33434
Submitted Via: Web
Date Sent: 2019-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A