Date Received: 2019-01-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I owned a XXXX XXXX in nyc, XXXX XXXX XXXX transferred the loan to XXXX XXXXlast XXXX XXXX, I agreed the terms of the loan paying {$2700.00} monthly which is due every 11 of the month. I paid on time XXXX, XXXX, XXXX and XXXX XXXX.Now they gave a website to register to see my payments there are two acounts under my name one shows 6.25 % interest rate, I have the loan with only 5 % for 5 years called several times to no avail.I did not get any statements of the payment, I do not know where my money, instead a woman from XXXX XXXX call almost every day insisting that there is money that I owe which is not truth Website shows numbers which is hard to figure it out ej, penalty .... late payment ... ..not received ... ... interest payment {$2100.00} I> I have another morgage from my house I can see clearly interest payment principal and total.This bank acts kind of shady. please help me to resolve this problem I am a senior and not feeling well Thank you Very much if copies of checks is needed and other information please let me know.
Company Response:
State: NY
Zip: 11377
Submitted Via: Web
Date Sent: 2019-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In 2013 my husband applied for a HELOC loan. According to my husband, it would be necessary for me to sign the papers for said loan. I was unsure why, as I am not on the mortgage and I am a homemaker with no monetary income.But, as I was told by the bank and my husband that it was just a " Florida Thing '' and strictly a formality. However, I am on the deed. The entire amount of the loan was deposited in to my husband 's account. I had no access to the HELOC account at all. I am divorcing my husband of 35 years. I have since discovered that the house, mortgage and HELOC are all in arrears, I am once again stuck with the burden of responsibility when I was not ever given any choice in this matter. I called PNC Bank many times and went to more than one branch to try to learn what I could do to bring any and all payments current. So, now my home is being sold and all the penalties that have incurred and the balance owed will be removed from the equity of my home. As well as the HELOC loan, which was not used wisely to say the very least. I just find it very strange and unfair that I can't be given any information about the loans at hand and denied the right when I wanted to pay towards the balance ( s ). But, I will be incurring the responsibilities of the loans and all the penalties just the same. I had no voice so I guess a signature was good until I began asking the questions I am now asking. Just a women, right? I thought in this day and age that unfair treatment because of one 's sexuality and their place in the working world would not have the same stigma and classification it did so many years before. I am sad and ashamed to say that some things have not changed as much as we might believe they have.
Company Response:
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2019-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-27
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: ItriedforTHREEhourstobookaflightandpayviadebitcard.Despitemorethansufficientfundsthereservationdidnotgothrough.Icalledthebankandthearrogant,incompetentclerksgaveinconsistentexplanationsfromitwentthroughtoitdidnotbecauseyouneedtoverifyit.Thestaffwasextremelyrudeandhadaxenophobicattituderudelyaskingmyself(whograduatedfromaXXXXXXXXXXXXschoolandhadclasseswithtwoSupremeCourtjudges)ifIwasabletounderstandEnglish.InanarrogantmannertheyrepeatedafewphraseandhadtheaudacitytoquestionmycommandoftheEnglishlanguage-themselvesbeingunabletounderstandthemostbasiclegalconcepts. Idemandedtotalktoasupervisor,waskeptfortwohoursonthephoneandconstantlyaskedsecurityquestionsastomyaccounttogetridofme.Igavethemallofmyinformation,frommySSnumbertotheplacesIresided,frommycarstoallinformation-allunderthepretextofsecurity.Iansweredallofthemcorrectlybuttogetridofmeinquiringthereasonswhythetransactiondidnotgetthroughthesupervisorwhorefusedtogivemeherlastnameaskedwhatmyheightis-whichIdidnotknowimmediately(alsogiventothefactthatshedemandeditinincheswhichnocountryintheworldusesbuttheUS)ASARESULTSHEILLEGALLYFROZEMYACCOUNTDENYINGMEACCESSTOTHEFUNDSANDILOSTOUTONTHEFLIGHTInherxenophobicattitudesheconcludedthatanyonewithanaccentisaXXXXorillegalalienfromathirdworldcountryandneedstobeaskedtwentydifferentquestions.Absolutelyirrelevantstupidquestionsthathavenothingtodowithsecurityatall-mycardsaysXXXXXXXXXXXXandsheaskedmewhatothernamethanXXXXdidyouhave?-wellanyonecanfigurethatout. Whathasyourheighttodowithasecurityquestion?Perhapsthenexttimeyouneedtotellthemhowmuchyouweightis?Allofthischangesalsoovertheyears! PNCwillfalselyclaimthattheytakesecurityveryserious-ImadethemawareofawebsitethatclaimsPNChaslocationsinCalifornia-apparentlytheyarefishingforclientinformationandinsteadofthankingthecustomersandshowingsomegratitudeofmakingafinancialinstitutionawareofphishingwebsitesandlocationstheyignoreyou. Icontactedtheescalationteamseveraltimes.Theyarenotinterestedinworkingwithacustomerofmorethantenyearsbutonlyintodraggingouttheprocess,engaginginagameofleavingvoicemessagesandofferingnothing.ItisafactthatPNCattemptstocoverupitsxenophobicunprofessionalconduct,neverevenbotheredtoinvestigatethematterandIwasmoreorlesstoldtheywouldtryfreezemyaccountpossiblyblacklistme.TheemployeesMr.XXXXandXXXXXXXXXXXXXXXXXXXXnevereventalkedtome,ignoredallofmymessagesandiftheycallbacktheywillcallyouatthethetimeyouarenotavailable-whenIrequestedthattheycallmeintheafternoonafterXXXXMsXXXXwillcallyouinthemorning.Theywillcallyoutwotimeinonehourandclosethecaserightafterthat.Thenyouhavetocallbackandforthenexttwentyfiveminutesyouareagainleftwith3clerkswhoaskedyouallofthesamequestionsfivetimes.TofileacomplaintyouneedtohaveyourSS,plusplusinfobecauseotherwise-otherwisecriminalscouldfileacomplaintagainstPNC??? AgainPNCinthenameofsecurityneedstoknowmyheightininches(whatisyourheightincm??)freezesmyaccount,neverapologizesorreachesoutbutPNChasnoproblemifotherwebsitestrytogetinformationfromitscustomers. Thatwillbeignored,too. IalsowroteanemailtotheCEOofPNC-XXXX.MrXXXXisawareofthesecuritythreattohiscustomersbythesefakelocationsandignoresit.ThesameseemstoapplytotheexenophobicconductofhisemployeesMynextstepwillbe-perhapsPNCwillthenblacklistme-tocontacttheHouseFinancialServicesCommitteeanditsmembersincludingSenatorXXXXandSenatorXXXX.PerhapsinthemeantimesomePNCcustomersgotalreadyburnedbythefakelocationsHerethe"PNCbranches''inCAXXXXXXXXXXXXAccordingtoPNCtheyXXXXnotPNClocationsXXXXandPNCdoesnothingtowarnitscustomersandignoresyouwhenyoumakethemawareofthis.Sojustcallthemandgetaloan,givethemyourSSandmore! ButthisXXXXguyhasanaccentandthereforeheispresumedtobeacriminalbecauseheanswered20securityquestionscorrectlybutdidnotknowhisheight. FAKEPNCLOCATIONS(ButnoactionhasbeentakenbythebanksincePNCdesnotcare-perhapstheyknowtheirheightandhavenoaccent)PNCBank1.PNCBankBanksCommercial&SavingsBanksLoansWebsite(XXXX)XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXCAXXXXPNCBank2.PNCBankBanksCommercial&SavingsBanksLoansWebsite(XXXX)XXXXXXXXXXXXXXXXXXXXXXXXCityCAXXXXPNCBankXXXX.PNCBankBanksCommercial&SavingsBanksLoansWebsite(XXXX)XXXXXXXXXXXXXXXXXXXXXXXXXXXXCAXXXXPNCBank4.PNCBankBanksCommercial&SavingsBanksLoansWebsite(XXXX)XXXXXXXXXXXXXXXXXXXXXXXXCAXXXXPNCBank5.PNCBankBanksCommercial&SavingsBanksLoansWebsite(XXXX)XXXXXXXXXXXXXXXXXXXXXXXXCAXXXXPNCBank6.PNCBankBanksCommercial&SavingsBanksLoansWebsite(XXXX)XXXXXXXXXXXXXXXXXXXXXXXXCAXXXXPNCMortgage7.PNCMortgageMortgagesRealEstateLoansWebsite(XXXX)XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXCAXXXX
Company Response:
State: FL
Zip: 33764
Submitted Via: Web
Date Sent: 2019-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX at XXXX XXXX - we received an email from PNC stating " ... Your access to Online Banking and Voice Banking has been suspended as a result of incorrectly entering your password on multiple attempts '' To regain access reset your password at pnc.com. Which she did. But she didnt even see that email until XX/XX/XXXX around XXXX XXXX. My daughter ( FYI I am also on the account with her, this is a joint account ) logged in to change her password at which time she recognized a charge for {$300.00} to XXXX XXXX XXXX on XX/XX/XXXX that she did not make nor does she even have an account with XXXX XXXX. She contacted the fraud dept who told her to call in the morning once the charge posts. She did just that. XX/XX/XXXX at roughly XXXX XXXX she called PNC, they told her they would open a dispute for the unauthorized charge and issue a new card. ( NOT sure why they would take this route being that the charge was an ACH withdrawal. They offered her no other security measures at all. Needless to say the next day XX/XX/XXXX two more ACH withdrawals were debited from our account. {$2900.00} ( this one to XXXX XXXX XXXX ) and {$1400.00} ( XXXX XXXX again ) again neither of which she or I have accounts with. At this point I called PNC Fraud dept and spoke to a manager ( XXXX ) who assured me that he was going to stop payment on those 2 charges and freeze the account, he directed us to go into the branch in the morning to continue the dispute process. Well the next morning the charges posted AND another unauthorized ACH withdrawal was made for {$3700.00} ( this one only stating ACH DEBIT VISA ). So I go to the bank this morning XX/XX/XXXX and get back two of the charges ( the {$1400.00} and {$2900.00} charges ) after they tried to tell me that I had to wait 10 days. When they should have frozen the accounts after the {$300.00} charge was made and the other 3 charges wouldn't have ever happened. Now I understand that there are really good hackers out in this world. But I would have expected better practices in place when these types of transactions come through especially when they are so outside of the norm of usual activity on the account. My daughter has had that account since she was XXXX ( now XXXX ) hence the reason Im on the account since she was a minor when it opened. She has been saving her money since then. To wake up and see your entire life savings just taken from you in an instant when you thought your bank had protected you not once but twice, is devastating. PNC has stated they'd refund the additional monies on Monday when the {$3700.00} posts. We have already taken out what money was left and put it in a safe at home, she is scared to death to trust banks now. This bank needs better training for their reps and better policies and practices to protect the consumer. This could have been prevented with the first {$300.00} charge. Or even when they knew someone was trying to access her online banking account with the wrong password multiple times. The account should have been locked. They just allowed these hackers to attack the account repeatedly.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2019-01-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/18 I drove to the atm located in the XXXX XXXX XXXX in which I tried to withdrawal XXXX, the machine defaulted and I canceled the transaction and drove to the bank and withdrew XXXX from the bank atm, my account was debited for both transactions, I disputed the charges on XX/XX/18 with XXXX in the branch and since said date have received 5 denials of the refusal to return my money, I also found another transaction dated XX/XX/18 in which my account was double debit in the amount XXXX I faxed receipts for the transaction and was refused reimbursement for the bank error, each time I requested them to review the camera footage of transactions and each time I am told the atm has balanced for the day in question
Company Response:
State: KY
Zip: 407XX
Submitted Via: Web
Date Sent: 2019-01-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-23
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I began the process of refinancing my auto loan with my bank, PNC, on XX/XX/XXXX. I decided to go into the bank to conduct the transaction rather than do it online because I was unsure of how to correctly refinance my auto loan. I went to my local PNC Bank ( located at XXXX XXXX XXXX XXXX, XXXX, MD XXXX, inside of a XXXX XXXX ). My banker, XXXX XXXX, seemed to be inexperienced which led to me making 4 trips to the bank altogether to complete this refinance as he constantly made mistakes which required me coming back into the bank to fix. I received a letter from PNC on XX/XX/XXXX which stated that they had sent XXXX ( who my auto loan was initially with ) a check to pay off the remaining balance of my auto loan with them. On XX/XX/XXXX, I received a letter from PNC requesting the original title on my vehicle and the lien release document. I did not have the lien release, so I called XXXX requesting it XX/XX/XXXX. At this time, XXXX informed me that PNC paid off my auto loan {$970.00} short, and that balance was incurring interest every day. They also sent the money to the wrong department at XXXX, so it was processed as a regular payment and not a payoff. I contacted PNC about the matter shortly thereafter and the bank ( some bankers involved include XXXX XXXX, XXXX XXXX and XXXX XXXX ) told me that they did not verify the amount that my loan was supposed to be refinanced for so that is why this issue occurred. They told me that the only option was for me to refinance the auto loan again, using the correct amount of money. However, I have since lost my job and not able to get another loan right now. Today, XX/XX/XXXX, was my last attempt to contact PNC and explain the issue. They refused to help me at all, and said the only thing I can do is refinance the loan with them again.
Company Response:
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2019-01-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-22
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: PNC misled me into believing that I was receiving a 0.25 % interest discount on my outstanding loan balance for setting up an ACH and having the monthly payment deducted automatically. On more than one occasion over the past few years ( XX/XX/XXXX through XX/XX/XXXX ) I was told that I was getting the discount. During a recent inquiry, I was told that I was not getting the discount. This occurred in XX/XX/XXXX on a call to the PNC customer service center and again on XX/XX/XXXX by XXXX XXXX in a separate call. I filed a complaint with PNC. # XXXX on XX/XX/XXXX and was told I would get a response within 10 days. On XX/XX/XXXX I followed up with PNC because I had not received a response and I spoke with XXXX XXXX in the escalation team who set out to research the issue. I was told on XX/XX/XXXX that the contract we signed in XX/XX/XXXX was tied to a specific checking account and the ACH had to come from that account in order for me to get the discount. So here is where I was misled. First, for background, we renewed our line of credit in XX/XX/XXXX and continued to pay down the existing balance. When the balance was XXXX, we determined that we did not need the checking account and it was closed in XX/XX/XXXX. On XX/XX/XXXX, we needed to access funds from the line of credit. I visited the PNC branch on XXXX XXXX XXXX in XXXX Ohio to inquire about the ACH and discount. I was told by the banker that an ACH from any checking account would qualify me for the discount so I set up the ACH at that visit using my current primary checking account. I trusted that the banker knew PNCs policy with regards to the discount and would not mislead me into thinking I would get the discount if I would not get it. Also, since the previous checking account was closed there was no way for me to get the discount unless we modified the existing agreement which I was not given the opportunity to do. Furthermore, I should not have been consistently lied to when I inquired about the discount.
Company Response:
State: OH
Zip: 43068
Submitted Via: Web
Date Sent: 2019-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-22
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: PNC Bank has promoted and advertised a rewards program promising that points earned by using their card will result in gift cards and cash however PNC Bank 's rewards program is a fraud. I have requested redemption of my points in the last 60 days approximately to redeem points for gifts cards and have never received them nor have I gotten a reasonable response from the firm explaining why I have not received the cards. In the past PNC has stated that the cash I redeemed but has never provided documentary evidence that the cash actually was credited to my account. In this case, I decided to request physical gift cards totally {$100.00} and still have not received the cards even after calling customer service about the mailing and receipt of the redeemed gift. This is obviously a fraud and false advertising. My PNC card ends in XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, RI XXXX.
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2019-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was a victim of a fraud scam that occurred on XX/XX/2018. The scam involved me sending an unknown recipient money via the XXXX app associated with my Pnc checking account. A total of {$830.00} was lost to the scammer. At the time, I had a balance of {$0.00} in my PNC account because I had moved to a new location that didnt have any PNC banks and therefore transferred all of my money to a different bank. The scammer sent me a bad check for {$1300.00}. I cashed it at PNC. The {$1300.00} showed up in my account. I then sent {$830.00} of that money to the same person. Then the check came back as bad and I was left with a negative - {$830.00} balance in my PNC bank account. I reported the incident to my bank, PNC. I also filed a police report. PNC sent me a letter in the mail saying that my situation was not considered valid as fraud and they would not be paying the - {$830.00} balance in my account. They also charged me tons of late fees on the negative balance and then, after two weeks, closed the account. Blacklisting me from opening up any new bank accounts with anyone else in the future. During a phone conversation with a pncs Escalation manager, I asked why my situation was not considered a valid fraud and was told theres no way we can prove that you didnt just send the money to a friend. This is a lesson you need to learn. Its only {$830.00}, you can make payments on it. We cant make an exception for you because if we did, the feds would come after us. We cant make an exception for you because if we did, youd go and tell all your friends about it, theyd try to get away with the same thing and we would go bankrupt. The man I spoke to said I dont think anyone at PNC would believe you were trying to scam us out of money. But theres no protection for this. Its a very common scam that happens to hundreds of people a day. My complaint with PNC and XXXX, Which is the app that was used to send the money, is that there were no protections in place for this very common type of fraud. Why was a {$1300.00} check cleared that later determined to be bad? Why was a transaction of {$830.00} allowed to go out from an account that had no money in it and why wasnt I alerted? If this scam is as common as I was told it is, why arent there protections in place by both the bank and XXXX? People put their money in banks to keep it safe. Why was the such negligance by the bank here in my account?
Company Response:
State: OH
Zip: 44512
Submitted Via: Web
Date Sent: 2019-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-18
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: XX/XX/XXXX and XXXX. Excessive overdraft fees, first one against a positive balance. If after a XXXX fee your balance is negative XXXX then obviously I had a positive balance of XXXX!!! When I access my account on line I first see recent pending and cleared items. It gives me an option to bring up Full Account Activity but they tell me this is not a correct representation. Then why is this available to me to look at???? They give me different daily balances then what I see on the Account Activity. But it is pretty obvious if you get a negative XXXX after a XXXX fee the account had to be positive. If not for the first 2 fees that are wrong the next item in was for! XXXX which would have made the balance a negative XXXX cents, under their negative XXXX dollar thresh hold for a fee. After that I had items of XXXX, XXXX and XXXX, those would cause fees, but only three. I admit to three fees. The next item after what should have been three fees, not six was the direct deposit of XXXX. If not for the first 2 incorrect fees the balance would have been negative XXXX plus 3 fees of XXXX dollars or neg XXXX That would make balance after direct deposit a positive XXXX not XXXX They do this all the time. They give different dates of the items clearing and different dates of the daily balances then the Full Account Activity I can bring up and look at. If what I can bring up and see is wrong then why can I bring it up. Why do I get an activity page that is not the correct order???? But like I said if a fee of XXXX makes your account negative XXXX the balance was obviously positive. The balance would have to be negative XXXX plus at least XXXX to have been over drawn!! They can not fathom this when I say that, it is simple math. I have printed information I will send in the mail.
Company Response:
State: NY
Zip: 120XX
Submitted Via: Web
Date Sent: 2019-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A