Date Received: 2018-12-06
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: My daughter sends me a monthly check for {$1400.00} and I routinely deposit this into my personal checking account using the drive-up ATM at XXXX, XXXX XXXX XXXX XXXX, PA XXXX. I did so about noon on XX/XX/18, a Sunday. The sun was shining brightly on the ATM screen, and the image was dim, so I had some difficulty interacting with the machine but proceeded nonetheless. At one point I requested that my check be returned without depositing it. My ATM card came out of the machine, but not the check. I received no transaction receipt. I checked online to see whether the transaction went through. It did not show up on the online display. The following day, I went to the branch office and explained the situation. I filed a " dispute, '' and they provided me with a provisional credit for {$1400.00} ( see transaction dated XX/XX/18 on the list of transactions ). They told me that this was a process that would take some time to resolve. I explained to my daughter ( who had written the check I deposited ) that the check was in limbo, perhaps lost. After passage of time, my daughter chose shortly before XX/XX/18 to stop payment on the check. She informed me of this action, and I contacted PNC to inform them that she had stopped payment on this lost check. They reversed the provisional {$1400.00} credit ( see reversal of provisional credit dated XX/XX/18 on list of transactions ). At this point my daughter owes me {$1400.00} but I am even with PNC. All seemed OK until I noted a {$1400.00} charge to my account dated XX/XX/18. This was labeled " RET DEP ITEM. '' I have attached a copy of the check and the information about this transaction. Note that the check number is XXXX, date XX/XX/XXXX and that the notation from PNC indicates that it was to apply to " Deposit date XX/XX/18. '' You can verify from the statement of transactions that this check was never actually deposited on XX/XX/18 or any other date. At this point I am out {$1400.00}. It is important to note that I have made multiple ( typically monthly ) deposits of {$1400.00} about the XXXX of each month. None of the actual {$1400.00} deposits is for check number XXXX dated XX/XX/XXXX -- only the original provisional credit which was subsequently reversed. This means that the check was never actually paid. However in the process my account received one {$1400.00} credit and two {$1400.00} debits. I am out {$1400.00}. I tried to resolve this matter with an online chat, but the person involved indicated that this required that I speak in person with personnel at the branch office. I did so on the afternoon of Wednesday XX/XX/18. I spoke to personal banker XXXX XXXX NMLS ID XXXX at the XXXX XXXX branch office. He immediately understood the error and explained to me that the problem would be resolved -- it would just be a matter of time. Mr. XXXX, over at least one hour, called five separate offices within PNC. Each seemed to indicate it was not their problem, that the customer was mistaken or that somebody else should deal with the matter. I returned to the PNC branch office on two or three subsequent occasions to follow through on this matter. They assured me that they were working on the matter, that the team had spent " 5 hrs working on this '' and that they had " escalated the matter. '' On Monday XX/XX/18, they indicated to me that would receive a call from another office that would definitely handle my problem. Today it is XX/XX/18, and I have received no phone call. The {$1400.00} erroneous charge has not been reversed. When I called PNC directly, I was told that I must work through the branch office only. At this point I am seemingly at an impasse. The staff at the branch office clearly acknowledges that I am out {$1400.00} and should be refunded. Neither they nor I have been able to make that happen.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I made my monthly payment of XXXX directly at PNC Bank on Friday XX/XX/XXXX. The payment was due on XX/XX/XXXX. I received another one of their " so called '' don't lose your home attempts to extort more money out of me than is due. This is the second time in eight months I have had to report this PNC Bank stupidity to your organization. You have always helped me. It looks like this misappropriated my payment to someone else account again. They refuse to account for the money I have paid in the form of statements. They are crooks and should be jailed rather than handling home mortgages and home owners loans. from here on out. Their lie they can't do this because of a bankruptcy from eight years ago is unexcuseable now. They are a crumby institution. I want an accounting of every XXXX I have paid them and a statement every SINGLE month -Yours Truly Second time in eight months. How stupid can they be. As for the publish request below. PLEASE DO! And thank you again.
Company Response:
State: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2018-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-05
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Lost high salaried job in XXXX ( recession ) and fell behind on mortgage payments financed with PNC. Applied several times for loan modification and loss mitigation options but denied each time. Finally, in XXXX, we had to vacate premises as we tried to sell the home for one full year without success and knew we couldn't make payments plus cure arrearage. In XXXX, we filed for deed in lieu of foreclosure with PNC and were approved. We had since moved out of the property and turned over to PNC. We received notice, in writing at our new residence, that the deed in lieu was delayed due to a water bill lien ( allegedly a {$69.00} unpaid water bill ) filed by the XXXX XXXX XXXX XXXX and we must cure the lien first to proceed. We obtained letter from the City stating there is no record of a water utility lien or outstanding balanced owed and we faxed it to PNC. I called PNC and was told they had everything needed to proceed and did not receive anymore letters, notices, emails or phone calls from PNC. About one year ago, I checked my credit report on line at XXXX XXXX XXXX and found that all three credit reporting agencies showed negative public record reported for foreclosure. We were told our home would not be foreclosed because there was ample equity which is why the deed in lieu was originally approved. PNC failed to adhere to proper legal notice and notification of their intent to foreclose. We were not served with writ to foreclose or provided with legal notice as per the law. We were no given the option to cure the deficiency before proceeding to foreclosure and now my VA home buying benefit can not be used again until I repay the VA {$70000.00}. I feel my credit rating has been damaged, my credit report is inaccurate and marred my creditworthiness and my VA housing benefit ( no down payment when buying another home ) has been denied me for future use until I repay the VA {$70000.00}
Company Response:
State: VA
Zip: 23454
Submitted Via: Web
Date Sent: 2018-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-05
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I had opened an account with pnc bank in XX/XX/XXXX. My former employer wrote bad checks to me and never paid the fees with them resulting in me having to close my account because at the time I couldnt afford to pay the {$75.00} in bounced check fees. Fast forward to XX/XX/XXXX and I am still getting denied bank accounts due to this incident that happened 9 years ago. Pnc has reported this to ChexSystems and entered it in XX/XX/XXXX. 6 years after the fact. This is to my knowledge illegal. I would like assistance to help with my case.
Company Response:
State: IL
Zip: 61571
Submitted Via: Web
Date Sent: 2018-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-04
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX, I noticed an unauthorized transaction of {$470.00} pending on my account. I called PNC and told them I did not authorize that transaction, so Im requesting that they not pay it. They said there is nothing they can do until the payment is posted. I waited overnight for the payment to post, and hoped they would have listened to my request, ESPECIALLY BECAUSE I DID NOT HAVE ENOUGH MONEY IN MY ACCOUNT TO PAY THE TRANSACTION. Any reasonable person would have thought that if the customer called in about the transaction, and said they didnt authorize it, AND there is NOT SUFFICIENT FUNDS TO PAY THE TRANSACTION, AND, the BANK HAS THE DESCRETION OF RETURNING THE ITEM, as they have done in the past, why would the bank choose to go ahead and pay it with THEIR FUNDS,, then CHARGE ME ALL KINDS OF FEES, and put my account into a state of overdraft. PNC HAS THE DESCRETION OF EITHER PAYING OR RETURNING AN ITSM, FOR WHICH THERE IS NOT SUFFICIENT FUNDS. PNC CHOSE TO PAY IT, EVEN AGAINST MY WISHES, WHICH THEY KNEW ABOUT BEFORE POSTING THE TRANSACTION. I called and filed the dispute after the transaction was posted and the bank told me they can not do any conditional credit until the 10 days it takes to process the dispute, while PNC Bank will charge me DAILY fees until they resolve the dispute! Now ALL my scheduled transactions will be returned, including my car insurance, just because PNC decided to use their funds to pay a transaction I told them I did not authorize, and there was no money in my account to pay it and my account is messed up. PNC could have issued the conditional credit, and I could have deposited the smaller amount the account would have been overdrawn by, and my account would have been fine. Now, I do not have the use of my account because PNC decided to use their money to pay a transaction I alerted them about.
Company Response:
State: NJ
Zip: 08817
Submitted Via: Web
Date Sent: 2018-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hello and greetings : I am a customer with PNC bank. in XX/XX/XXXX/XX/XX/XXXX I experienced difficulty and was advised by PNC to stop paying loans and seek refinance and program assistance. I did so and was repeatedly threatened with foreclosure and refinance options simultaneously. During which time, PNC was bought out and merged with another company. < so I was informed > I made a lump sum agreement IN WRITING with PNC and paid all amounts due and late fees to date. I then began paying monthly payments and have continued to make monthly payments etc. No statements arrived soon after re-doing all the paper with PNC and I went to teller at local branch < name withheld but on file > was given an amount which I paid with receipt. I have all accrued receipts and paper on file. When I applied fo credit and was denied due to PNC reporting me late on XXXX payment etc I began to contact PNC. They sent me a very large paper file aprox 2000 pages and informed me it was my job to now prove they apportioned the payments correctly. I approached the teller and informed her of what had occurred and the PNC headquarters told her to inform me that she has no authority and not to discuss matters with me concerning my account. I was very distraught and experienced hardship due to the erroneous inaccurate reporting. All this stated, I wish to have an investigation into my 3 PNC accounts reported on my credit file. I am not late in XXXX nor after the written accord between PNC collections and myself. I will begin to compile all of the monthly payment made at the local branch. accepted and cashed at the local branch as well the lump sums that were paid to PNC with all late fees paid as well. My thoughts is that PNC should not be reporting me late and should be practicing due diligence pertaining to me account and PNC XXXXredit reporting ... My question for this bureau is what do I do from this point to follow up and interact to provide you with specific details and paperwork showing I should not have been adversely reported against and how to resolve all of this so that I can get settled and not be bullied by PNC and the whale verse small fish tactics??? Thank you for your time and efforts. Please, just let me know exactly what you want me to provide and I will get it sent to you promptly. I have paid my bills and expect PNC to reflect my timely payments and credit worthiness. PNC has cost me enough duress and loss of enjoyments ; now my intention is to communicate to PNC that it is their job to be reputable and due diligent toward customer service and especially unscrupulous credit reporting ... ..
Company Response:
State: IN
Zip: 47265
Submitted Via: Web
Date Sent: 2018-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-04
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: every month i make my payment at PNC XXXX XXXX branch XXXX XXXX XXXX. I always pay extra and advise them to apply the over payment to my principle balance. When i went today to make my payment they did not want to take it as they said i owed less than the {$400.00} cent payment. the only way this could have happened is if they miss applied some of my other over payments. I have talked with a few other PNC bank customers whom have this same issue happen with over payments. it sounds like PNC bank has a system in place to maximize the interest and fee 's they charge customer. I would like you guys to do a full audit on my loan # XXXX with them to ensure they have done everything correctly. I would also like you to order them to revamp there payment coupon and add a line for extra principle payment to prevent them from robbing hardworking americans who pay extra so they can pay off there loan early and reduce the amount of interest paid actually have there extra payments go to the loan balance instead of being held in a non interest bearing overpayment account and applied to the next payment on the due date.
Company Response:
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2018-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: PNC mortgage is reporting XX/XX/XXXX payment as 30 days late on my XXXX and XXXX credit reports. Also the company omitted reporting my XX/XX/XXXX payment. Around XXXX or XXXX of XXXX, I began disputing the inaccuracy of this to all three credit bureaus. The company did not respond to XXXX and as a result, the account was removed from my XXXX credit report. The company responded to the other two agencies by deleting information for past payment history for years prior to XXXX. This only resulting in the company giving a " response '' to the credit bureau, but not making the accurate corrections. I kept disputing every 30 days, but nothing changed. The company continued to respond to say the payment history was correct. When I called PNC mortgage directly, I was told my account was showing current and paid as agreed for XX/XX/XXXX. I was told disputes are only handled in writing and had to be mailed to XXXX XXXX XXXX XXXX, OH XXXX. In XX/XX/XXXX, I mailed three letters ( one to XXXX XXXX XXXXXXXX and the others to XXXX XXXX XXXXXXXX to insure the company received them ) with copies of the supporting information. A written letter stating my dispute, a copy of the payment funds and date drafted from my bank account, a copy of my account from their website and a copy of my credit reports showing the inaccuracy of the XX/XX/XXXX payment, which shows as 30 days late for XXXX and XXXX. I received a letter from PNC Bank dated XX/XX/XXXX which stated the accuracy of my XXXX payments and that they can not remove any negative information. The letter stated the payment for XX/XX/XXXX was reported as current/ paid as agreed. On XX/XX/XXXX PNC bank continued to report my XX/XX/XXXX payment as 30 days late. This was reported to XXXX and XXXX. I have emailed them, but have not gotten a response. I've tried calling again and still have been directed to send another letter to the address given. This issue has been unresolved for almost an entire year. It seems that they are purposely reporting this account as 30 days late.
Company Response:
State: NC
Zip: 27801
Submitted Via: Web
Date Sent: 2018-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-01
Issue: Problem when making payments
Subissue:
Consumer Complaint: This is reference with closed complaint # XXXX which actually was not properly closed. In letter dated XX/XX/18 XXXX XXXX refused to wave subordination fee in amount of {$130.00}. I've asked couple times PNC customer service about it and was told that subordination fee only applies to refinancing with other lenders. At least twice I've asked to document it in notes and was told that it was done. I've never sign any document to pay the subordination fee. Also {$130.00} was deducted from my payment to principal without my consent. In same letter XXXX XXXX waved late fees in amount of {$350.00} which actually was never done. I've checked all statements from XX/XX/2018 and there is no credit in amount of {$350.00}. Three phone calls to XXXX XXXX were never returned. It looks like typical policies of PNC, most of phone calls to managers were never returned and PNC is simply violating the most basic rules.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-30
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Over the past three years, I have repeatedly tried to get my ex-husband, XXXX XXXX, removed from my checking/debit account and my credit card account through PNC Bank. I opened this account and credit line as a single individual, and at no time, listed him as part of the account or listed him as an emergency contact. For some reason, PNC has been unable to explain why he has been linked to my accounts. Over the past three years, XXXX XXXX has received account notifications as well as account alerts when there is suspected fraud ( i.e., if I am traveling out of the country ). At each occurrence ( the last at the end of XXXX and is noted on my account records at PNC ), I have contacted PNC Bank and they assure me that his name and access has been removed, but then I find out he has been contacted again by PNC regarding " fraud '' on my account -- which also gives him PRIVATE information regarding financial transactions as well as my locations. This occurred again today, XX/XX/XXXX. He was called by PNC regarding a " Fraudulent Purchase '' on my debit card. When I contacted PNC, they stated they saw that I had called in XXXX regarding the same issue, but " nobody followed through on making sure it had been dealt with. '' And then stated it appeared he had access via my ONLINE banking. Again, I have NEVER linked his name to this account. I have NEVER granted him access to my account. I have NEVER agreed that he should receive PRIVATE information regarding my account. I need action taken immediately on this and I believe I should be given financial compensation for illegal sharing of my private banking information. My divorce was not amicable, and I have no idea how much of my financial information my ex-husband has been able to access.
Company Response:
State: GA
Zip: 31061
Submitted Via: Web
Date Sent: 2018-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A