Date Received: 2018-12-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: As of XX/XX/XXXX, PNC had withheld a check for no reason that i had deposited. The company regularly states that if a check is deposited, that the following day the funds will be available. I had deposited my check into my checking account on the XXXX between XXXX and XXXXXXXX XXXX. The brach is PNC in XXXX Pa.. When i called to see why the funds were not available the next morning, the service department had stated that the bank the check was drawn from, had stated " the items would not be paid '' and that the funds were unavailable. When the funds were actually already transferred accordingly on time from the bank the check was drawn from. PNC is lying to customers, withholding funds, and telling lies of other companies that there checks are bouncing. this causes a financial hardship on the consumer and the companies that PNC has fraudulently lied about stating there checks are not good for cashing, and funds not available. The company also lied about having customers funds available the next day when that is not true. This had caused a financial hardship on myself from there lies and manipulation of customer funds. an investigation needs to be applied to this companies business practices as they are violating banking laws.
Company Response:
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2018-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-21
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Closed an checking account with Customer Service via telephone. This did not happen. Which resulted in overdraft fees and bank not letting me to reopen a new account with them or any other banking institution. And lower credit score.
Company Response:
State: GA
Zip: 30047
Submitted Via: Web
Date Sent: 2018-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX XXXX , XXXX and XXXX XXXX, XXXX are the same companies based on my research. However, this company is violating my privacy rights, infringing on my right of refusal, and calling me excessively and repeatedly for collection on the part of PNC Bank of Maryland. This collection is result of a repossessed car a XXXX XXXX XXXX. I purchased the car from XXXX XXXX XXXX XXXX XXXX during the month of XX/XX/XXXX. Initially, the phone calls came from a unknown number. However, after I retrieved the voice mail I realized it was an employee of XXXX XXXX and XXXX XXXX, XXXX, which is the same company soliciting monies for the car. After the car was repossessed PNC Bank never notified me about the sale of the car, the amount it sold for, or whether or not I would have any residual monetary cost associated with the sale. My efforts to resolve, get information, and how important this was to my credit rating is an essential cause for this complaint. PNC Bank purposely and quite possibility exposed me to unfair loan practices used by XXXX XXXX XXXX XXXX for the purchase of my car. For the record, I shouldn't have been approved for the car based on the following metrics : 1. As a new first time buyer with little to No credit or credit history. 2. PNC Bank worked directly in consultation with PNC Bank and it's history of using unfair tactics on minorities for the sole purpose to undermine, take advantage of, and possibility ruin their credit rating and histories. It has been documented as far back to XXXX. 3. At the time of my purchase I wasn't employed long enough for such a price tag of nearly and over {$20000.00} dollars for a car which would have caused me great harm and distress. However, XXXX XXXX XXXX XXXX XXXX sought to find a lender who was willing to approve this loan. 4. PNC and XXXX are both causing me great distress and distrust for the outcome of this loan. 5. XXXX XXXX have been calling me repeatedly threaten me with ruining my credit and asking for payments of the total amount of the car value of which PNC Bank should be totally responsible for at this moment. 6. PNC Bank had a fiduciary responsibility to sell the vehicle for the highest possible price to offset the loan of which they approved of which based on the evidence and ability to pay should have never been approved. BUT IT WAS. Finally, I have asked XXXX XXXX to stop harassing me, calling me excessively, and attempting to blackmail me through ruining my credit and harm me financially.
Company Response:
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2018-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-21
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: PNC bank exploited my youth and inexperience along with XXXX XXXX XXXX XXXX XXXX to purchased this car a XXXX XXXX XXXX during the month of XXXX, XXXX. As a young first time buyer of a vehicle they sought to undermine, manipulate, and exploit my youth against my better judgement all for the sale. As a matter of fact, I shouldn't have been allowed to purchase such a car with 'little ' to no credit history. The sale price of the car was in excess of {$20000.00} dollars not adding sales tax, etc. XXXX 's XXXX XXXX felt that PNC Bank would be a good bank to finance my car. This is when the issues began for me. PNC Bank charged my 24 % interest rate for this vehicle knowing full well this wouldn't be suffice for my income and amount of wages I was incurring working at XXXX XXXX XXXX. For the record, I couldn't make those payments of {$370.00} a month with an interest rate of 24 % percent and insurance for the car at nearly the same amount of {$350.00} a month. Based solely on financing options and how the discriminatory practices of PNC bank from as far back as XXXX.It wasn't going to be a good fit for my income and wages. Not only did I sought to ask for a price reduction and interest rate PNC bank refused to listen and as a result my car was repossessed for no keeping up with the payments. After receiving several notices and warnings about missed payments it was clear the car would have to be returned solely for a re-sale. PNC bank not only failed to recoup the amount of the car but instead sold it for a lower price only to cause me financial hardship and attempts to ruin my credit. As a young XXXX year old, I was completely blinded by these tactics used by car dealerships and bank at my peril. PNC bank has a fiduciary responsibility to ensure my fair and impartial sale of the vehicle of which I whole heartily believe used me for financial gains for the dealership with the interest rate based on my inability to pay and my need to have a car. This is unfortunately been the practices of PNC with its partnership with XXXX XXXX XXXX XXXX, Maryland XXXX. These types of unfair practices must be STOPPED. Now my credit is being destroyed at the moment and the account has been referred to a collection agency namely " XXXX XXXX XXXX '' which is the extension of " XXXX XXXX, XXXX '' which to me are the same company attempting to undermine the public through unfair practices of bullying, harassment, and coercive practice and violating laws in Maryland called " blue laws '' this must stop as well.
Company Response:
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2018-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I applied and received a mortgage with PNC in XX/XX/2017. I was told I HAD to have an escrow account with PNC. My first concern about PNC occurred when I had issues with my house insurance. I had received letters from my insurance company that the insurance payment was due. First I paid the insurance and then I contacted PNC. PNC advised me PNC would sent the payment via regular US mail. The insurance company finally received PNC 's payment. Then the insurance company sent my payment back. I am used to making electronic payments before the due date. I believe PNC should do the same. To me this issue was scary. And it really annoyed me when PNC explained there was a 1 month grace period so I had nothing to worry about. My new issue occurred in XXXX and it is how PNC collects my escrow. PNC overcharged me {$1100.00} in escrow and sent me a check. In my opinion, PNC had an interest free loan. Then PNC is going to increase my escrow account. So I contacted PNC and requested that they apply the check to my escrow account which will lower my escrow payment. PNC said no. It bothers me that I had to pay my insurance and escrow PNC 's way. PNC 's business model makes gives them an interest free loan. To me there is no incentive to be fair to the mortgagee.
Company Response:
State: VA
Zip: 22408
Submitted Via: Web
Date Sent: 2018-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-21
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: Good Morning, My name is XXXX XXXX and was a co-signor on a Line of credit ( unsecured ) with another individual, XXXX XXXX. Th Bank Involved : PNC He and I used the LOC for business expenses associated with a Company we both owned at the time. However, this a personal LOC and not a business loan. The amount was {$150000.00}. Bank : PNC Loan number : XXXX Persons involved : XXXX XXXX ( co loan guarantor ) XXXX XXXX ( PNC VP Lending ) XXXX XXXX ( PNC VP Lending ) XXXX XXXX PNC co-signer XXXX XXXX ( PNC Branch manager XXXX ) In XX/XX/XXXX I left the co-owned company and filed suit against my business partner when I left. As the personal LOC was used for the business, XXXX XXXX used the Company to continue to make payments on the personal loan. Then, in XX/XX/XXXX XXXX XXXX entered into an Agreement ( without my knowledge, signature, or any form of written consent i.e. email notification, settlement agreement or anything ) with PNC to pay half the Loan off ( {$75000.00} ) and charge off the rest ( {$75000.00} ). Again, I never gave consent for any of this. I was then informed in XX/XX/XXXX that my credit report ( XXXX ) had me listed on the loan with the charge off when I applied for a mortgage on a new home. It has been reported to the credit agencies that I was involved with the charge. I repeatedly attempted to contact XXXX XXXX and XXXX XXXX ( both from PNC ) involved with this charge off settlement I had no knowledge off. They NEVER responded. I filed a complaint with PNC and nothing was changed in my credit report. I also have a signed sworn affidavit ( which I am uploading to this complaint ) by XXXX XXXX that without XXXX XXXX ( XXXX XXXX XXXX knowledge or consent, I ( XXXX XXXX ) negotiated a reduction in the payoff amount line of credit with PNC bank, which PNC accepted My credit has now been ruined, caused by a unilateral action between PNC and XXXX XXXX without my knowledge or consent on an action that has materially harmed me in not qualifying for a home loan. Had I been informed or copied on emails Mr. XXXX and Ms. XXXX XXXX Of such negotiations I would have never agreed to this unilaterally executed Settlement. I contacted PNC XX/XX/XXXX for the last time and spoke to a XXXX XXXX who essentially told me to file with the CFPB. Furthermore I am uploading an email from XXXX XXXX to Mr. XXXX and Ms. XXXX agreeing to accept the Settlement offer which included the charge off without an email, call, letter to include and inform me of this action.
Company Response:
State: FL
Zip: 32789
Submitted Via: Web
Date Sent: 2018-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-20
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I check my pnc XXXX XXXX checking account on XX/XX/2018, then I found out there are 2 of XXXX dollar unauthorized ach transfer from my account to a unheard of ( XXXX XXXX company which I found out from the pnc representative ). And I call the XXXX XXXX company it was XXXX XXXX phone number and no one answers, obviously it is a fraud. Now, pnc doesn't want to take responsible for it, and tell me to wait 10 business dates for the dispute. When I call again on XX/XX/2018, pnc trys to tell me any corporation ach transfer has to report with 24 hrs in order to dispute. This is so XXXX, my hard earning money of XXXX just disappeared.
Company Response:
State: NY
Zip: 14850
Submitted Via: Web
Date Sent: 2018-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: I purchased a pair of shoes online for {$300.00} via the XXXX app through my banking services with PNC. I received purchase confirmation via email but never received the actual item. I have contacted the merchant with no responses. Now, the fraudulent merchant is continueously withdrawing {$300.00} from my account. I have contacted my bank and they have said since I authorized the first payment, there is no buyer protection for me. But why cant they stop the continueous unauthorized withdrawing of funds from my account? I am desperate for a resolution. Is there anything my bank can do for me to provide a courtesy reimbursement of my funds? If not the first authorized payment made by mistake, then at least the charges thereafter. Thank you.
Company Response:
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2018-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-19
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: My XXXX year old mother just contacted XXXX to freeze her account. Because she is XXXX and has XXXX she could not answer all of their XXXX questions, let alone the fact she does not know what my nephew, her grandson has opened in her name as far as loans and/or credit cards. Sure, they can breach all her information and mine, but NOOOOOOOO, because she doesn't know all their XXXX answers to questions that may or may not contain real information, they REFUSE TO FREEZE HER ACCOUNT. I hate them and the way they treat real people with real problems. And as for your company, you are no better. I asked you to help me stop this same nephew from stealing from her PNC Bank. You in turn gave it to PNC Bank to investigate. They in turn called me and said point blank they didn't answer to you or anyone and the results of the investigation would never leave PNC walls. So basically, you both protect the criminal and not the victims. Great. Thanks alot.
Company Response:
State: GA
Zip: 30033
Submitted Via: Web
Date Sent: 2018-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-19
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Our experience with PNC has been appalling. After making a simple bill pay error where I clicked pay in full instead of pay the minimum, for eleven days now I have been misinformed by numerous representatives about what actions to take causing delays, all the while the bank is charging fees and returning payments to our creditors. There was a very simple solution available that would have stopped all of this this from ever happening, but all PNC employees misdirected me over an over, since all involved departments were not communicating with one another. Despite have spoken with a rep as soon as the error was made who informed me all she needed to do was stop payment, the bank paid the full amount of the bill pay item to the payee..creating an overdraft of XXXX XXXX DOLLARS. Yes, {$14000.00}. How could the bank ever allow this to be paid? That's exactly what every person at PNC employee has asked me, including Branch Manager, XXXX XXXX who finally put me in touch with Retail Escalation. Now, our checking is frozen and I have not been able to access money since XX/XX/XXXX. They also proceeded to freeze our savings accounts. After the stop payment proved to be unsuccessful, I again contacted PNC who informed me the {$160000.00} payment was not being paid. It was being returned by them and the funds would be released to my account the next day. However, this in fact proved to be untrue as well as my account remained at - {$14000.00} and my credit card received the {$16000.00} payment. I was then assigned to Case Manager, XXXX XXXX who informed me everything I had been told by both reps was incorrect and had they done their jobs correctly, she would have been able to reverse the transaction herself if they sent me to escalation initially. She planned to have the calls pulled so the reps could be trained properly and avoid giving incorrect information causing the snowballing dilemma. She then said she was initiating an emergency dispute and I should get results in 24-48 hours. She told me she would personally be managing our checking account and told me to continue using checks, bill pay and pay all necessary bills at the payee 's website and she would be pushing all items through till the bank got the dispute resolved. Several days went by without our balance changing so I tried to contact her at the number she provided. My husband and I continued leaving message after message but did not receive a call back. After an entire week of not return calls, I reached out to PNC through a XXXX message. I explained the situation and she said she was reaching out to Retail Escalation to provide my contact information and they would be contacting me directly shortly. However, I did not receive a call. After waiting several hours for a call, I called the Retail Escalation department and was transferred around till I finally reached a different Retail Escalation Employee, XXXX XXXX. He informed me all of our accounts had been frozen until I participate in a conference call because the Payee needed me on the line in order to reverse the payment. He had a toll free number to give me to initiate the conference call and said he could not remain on the line because the wait time was 20+ minutes and he could not hold that long. I hung up and called this number only to be connected to Check Free, a third party vendor who said they could not speak to me, that they communicate with banks only and did not know why I was given their number. They then transferred me to PNC Online Banking dept who told me everything I had been told from every single PNC employee up to that point was completely incorrect and that If I didn't stay on the phone and push for a resolution, the issue would never get resolved. That's when he told me PNC uses a third party to pay bills for PNC Billpay and that's why the payment was made despite the account being {$14000.00} short even though I NEVER opted in for Overdraft Coverage. He asked me to remain on the line while he contacted Retail Escalation and inform them everything they were telling me to do was incorrect. He told me simplest solution would be to contact the Payee directly and request a reverse of the payment. In the meantime, he connected me to the Retail Escalation rep, XXXX XXXX, who continued to give me incorrect instructions just as I was advised would likely happen from the Online Banking employee. I had to inform her of everything he advised, including about the third-party vendor and how I was told that a call to the payee would have resolved the issue. During my 2.5 hour phone call that day ( XX/XX/18 ) XXXX also informed me the donation check I wrote and the online bills we paid, including our mortgage ( instructed to do so by our XXXX XXXX, XXXX XXXX would not be paid because XXXX was also mistaken about all of that. The Overdraft Protection Department didn't let her know she could not push the items though so she should not have instructed us to do that. Oh yeah, and the hold on the accounts would stay intact on all accounts till we contacted the payee and the payment was reversed and reviewed ... .and all banking fees would apply. She apologized for the many mistakes on behalf of the many PNC employees but had nothing to offer far as fixing the results of all their mistakes. We contacted the payee and they immediately agreed to process the reverse payment back into our account which would take 3-5 days and said that exact same mistake happens all the time my many customers.
Company Response:
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2018-12-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A