Date Received: 2018-11-01
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Transactions will disappear from my pending list and I will spend money that according to the bank says I have. Sometimes I forget a transaction here or there, so I rely on my online banking. Then, days later charges will reappear and post and send me into an overdraft. This has been a common occurance for months now and the bank refuses to acknowledge their role in this, making me pay huge amounts in fees.
Company Response:
State: OH
Zip: 45240
Submitted Via: Web
Date Sent: 2018-11-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-01
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: The nature of the wrong doing is that today, XXXX, is the THIRD time I walk up to a PNC ATM, make a deposit of {$280.00} or {$300.00} ; and the balance that I previously had is missing. PNC is STILL alleging it was removed for " bank fee ; '' But that is a complete LIE! Someone is STEALING my {$1.00} etc. Today it was XXXX dollars STOLEN, and they want to say " MONTHLY FEE. '' I opened my account XXXX of XXXX off of XXXX XXXX XXXX, XXXX XXXX, FL. I was informed there are NO Monthly fees if you deposit at least {$500.00}. If you deposit LESS than that amount, there is a {$5.00} monthly fees. Look at my attachments, do you see {$5.00}? NO! You see made up figures. From XXXX of XXXX through XXXX of XXXX, I never got a fee. Then out of a sudden, I was still making the correct amount of deposits, and PNC was billing me {$5.00}. I filed a complaint. Now I get billed bogus figures. All I know is that PNC NEEDS TO close ALL the other accounts with my name and STOP stealing from me! It's either {$5.00} or nothing. Please let me know why my {$2.00}, from today, was removed from my account between XXXX XXXX and XXXX XXXX EST, vs first thing this morning when transaction fees were deducted from all the other PNC Customers? Fees do not get deducted in the middle of the day. I called myself today around XXXX XXXX, I had a {$2.00} balance ; Made a deposit of {$280.00} and the {$2.00} were missing ; Called it in, and they chose to label it, MONTHLY FEES. NONSENSE! It's a lie. Look at the ledger and have PNC pay me back for all the FALSE monthly fees. Thank You, XXXX XXXX XXXX ( XXXX ) XXXX
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Starting in XXXX, I made a large number of additional principal payments to my mortgage company, PNC mortgage. Due to an incentive offered by a bill pay servicing company, my payments were all individual checks, mailed via USPS, in the {$250.00} range each. I asked PNC to itemize each incoming payment individually, so that I could properly reconcile my account and verify that all payments were received and properly applied to my account. They refused. In total I asked 3 times that each separate check be given a line on my statement, but they continued to refuse. I can not properly verify my payments without knowing if each check was received and credited. Here is a copy of the first email I sent them : XXXX Message Detail Subject : Payment Inquiry Date : XX/XX/2018 Message : Hello, I am making a series of payments in the {$250.00} range toward my principal. When they get lumped in together I can not reconcile my payment account and confirm that payments were correctly applied. Please give each check a line item. Thank you. =========================================================== Here is their reply : =========================================================== Subject : Re : Payment Inquiry Date : XX/XX/2018 Message : Dear [ redacted ], Thank you for your email inquiry concerning your PNC Mortgage loan. Please be advised, due to the quantity of payments received at such a rapid rate we're unable to apply each check as an individual line item. However, if you feel there has been any sort of error regarding your payment, please send a written dispute to ; PNC Mortgage XXXX XXXX XXXX XXXX XXXX, OH XXXX Thank you for the opportunity to be of service to you. If you have any further questions, please call one of our Customer Service Representatives at XXXX, or respond to this message. Customer Service Department PNC Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- To : CSR Agent Subject : Payment Inquiry_Hello, I am making a series of payments in the {$250.00} range toward my principal. When they get lumped in together I can not reconcile my payment account and confirm that payments were correctly applied. Please give each check a line item. Thank you. ============================================================= I am asking that I get a proper reconciliation showing each check that was deposited into my account to pay my mortgage. This is necessary to properly validate payment and reconcile my accounts. Thank you
Company Response:
State: CA
Zip: 92028
Submitted Via: Web
Date Sent: 2018-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: PNC is in violation of CAHBOR and acting as a foreclosure mill. PNC is illegally without cause trying to foreclose on a property without any valid reason. These issues are all being documented. Should PNC continue their illegal activity there will be a wrongful foreclosure lawsuit brought against PNC and we will seek out other potential victims for a possible class action suit for PNC 's illegal and unethical activities. At issue are loss mitigation requests that have been submitted to PNC that were improperly denied. The latest review was on XX/XX/18. PNC denied the request but wouldn't even say why they denied the request. It took a written formal demand requiring specific reasons as to denial of loss mitigation options. PNC 's response took an unbelievable 30 days to respond. Denying a homeowner a loss mitigation option when CA law requires lenders and servicers operating in the state to help avoid foreclosure without a detailed explanation on that denial upfront is a violation of that very law, CAHBOR. Requiring a formal demand with a detailed explanation and then taking 30 days to respond is criminally negligent. PNC put up these ridiculous obstacles to take away legal time homeowners have during a default process. They ate up time to get closer to foreclosure. Adding insult to injury the letter provided as to the reason for denial contains NO VALID reason for denial whatsoever. The two reasons cited in the letter ( attached ) are 1. The signature of the co borrower doesn't match records 2. Co borrower was removed from title. Number 1 is handled with a simple notarized affidavit and driver 's license that clearly prove the signature belongs to the co borrower. Standard industry practice of lenders and servicers is to ask for this information when there is signature discrepancy. Instead PNC chose to hide such an inconsequential discrepancy for the purposes of illegally denying borrower 's right to avoid foreclosure. 2. Co borrowers can remove themselves from title if they want. As the letter states it has zero bearing as to whether they are still liable for the debt. The two have nothing to do with eachother and since PNC acknowedges that co borrower is liable for the debt they also acknowledge co borrower was participating in the short sale request. So there is no reason for denial whatsoever. The fact that sentence was added to their letter shows how grossly incompetent PNC actually is.
Company Response:
State: CA
Zip: 90746
Submitted Via: Web
Date Sent: 2018-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX, when trying to pay for a purchase I made with a merchant, I handed my credit card over to the merchant, and she returned it moments later saying my transaction had been declined. It later became clear that the merchant had fraudulently swiped my card for two successful transactions of {$140.00} and {$140.00}, and attempted to swipe for a 3rd transaction that was declined. After the merchant told me the card had been declined, I ended up paying a bewilderingly high amount of cash and was refused to be provided with any receipt outlining the prices of the goods purchased nor the receipt of my cash payment. This, combined with the discovery of the two unauthorized pending charges on my online bank account, prompted me to report the incident to the local police the following day, XX/XX/XXXX. I opened a dispute with the credit card company ( PNC Bank ) as soon as the charges posted to my account, on XX/XX/XXXX. They soon after mailed a request to provide a receipt or other documentation. Not having a receipt, I mailed back a copy of aforementioned police report. On XX/XX/XXXX, I received a letter from the credit card company saying they are unable to assist in my dispute. I called them on XX/XX/XXXX and spoke with a representative who adamantly insisted that unless I provide some kind of receipt, there is absolutely nothing they can do to assist me. After a few weeks of doing some additional research and consulting with peers, I called the credit card company back on XX/XX/XXXX, and firmly insisted that per the Fair Credit Billing Act I am entitled to ask for proof of charges I am being required to pay for, and do not have to provide anything to request such proof. A different representative again adamantly insisted that unless I provide some kind receipt there is absolutely nothing they can do. After some back and forth, I was transferred to a supervisor 's voicemail, where I left a message dropping the term " Fair Credit Billing Act '' a few times. I got a call back from the supervisor a few hours later, saying they will go ahead and proceed with my dispute. On XX/XX/XXXX, I received a mailed communication from the credit card company with 2 receipts for the 2 charges, provided by the merchant. The communication stated that based on these receipts, they are unable to assist in my dispute. I called on XX/XX/XXXX asking to speak with the representative whose name was on this communication, wanting to share some concerns I had with the provided receipts, some of them being : discrepancies between the timestamps on the itemized receipt and the signed credit card slip, discrepancies between the timestamps on the signed credit card slips and when the swipes actually occurred, and most importantly the fact that the signatures on both slips were forged. That representative was not available, but another one told me she would pass along my initial remarks and I will be receiving a call back from the original representative shortly. Today, XX/XX/XXXX, 3 full business days have passed and I have yet to receive a call back.
Company Response:
State: WI
Zip: 53703
Submitted Via: Web
Date Sent: 2018-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-29
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: 2008 FHA loan for first time buyers included tax and insurance on payment. XXXX on small 2 bedroom home. FHA inspector committed fraud on inspection and did not report rigid copper used for gas line going to dryer. Home also had bad sewer line not reported by seller or inspector. Next we did a loan to change the way the taxes and insurance were paid but they told us it would stay the same lying to us about what is actually done on a home loan and failed to tell us it would not be FHA but bought by the bank and the whole payment went to them instead of paying off the home. Failure of full discloser by PNC bank is illegal and we want them to pay for lying to us about the loan and also it was only suppose to cost XXXX dollars to switch to the new mortgage to keep it the same on FHA but with us paying the taxes and insurance. The loan officer lied to us changing it to a home equity account without us being told where the payments went or about the change from FHA to their bank without our knowledge and their failure to disclose this to us at the time it was done. They also illegally kept the spouse off the deed and under the law they have to be included even if they aren't on the loan.
Company Response:
State: IL
Zip: 61554
Submitted Via: Web
Date Sent: 2018-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened my account with PNC bank on XX/XX/XXXX and funded it with XXXX dollars. I never received a debit card. I called on XX/XX/XXXX and was told the only way to access my account was to have another debit card sent to me for a charge of {$7.00}, even though I never got a card. I then tired to close my account and was told it would cost {$25.00}. This is insane. They want me to pay them to access my own money.
Company Response:
State: CA
Zip: 95695
Submitted Via: Web
Date Sent: 2018-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-29
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: On XX/XX/XXXX I went to look at a XXXX XXXX XXXX used SUV on the lot at XXXX of XXXX Georgia. When I got there I informed the XXXX person that talked to me his name was XXXX that I had emailed with XXXX XXXX and XXXX XXXX and that I had my own financing of up to {$14000.00} he joking said {$15000.00}. He got XXXX out to talk to me and I informed him of the financing and he opened the vehicle for us to look at. XXXX comes out and I tell him about my financing and then XXXX comes back and says you do not want this vehicle it takes synthetic oil and premium gas. Ok I was getting ready to leave as I only came in to test drive the XXXX XXXX SUV. XXXX says come in and let me see if XXXX has better interest rates than XXXX. He said it would be maybe a half point on the credit score as he was doing soft inquiry. I also explained to him that I was still shopping and had an appointment to see a vehicle in XXXX XXXX at a dealer I also explained this to XXXX when I saw him, I was only doing preliminary shopping for a used SUV. I also told him if he had a used manual transmission on the lot he needed to get rid of to let me know. He gets my information and disappears for about 30 minutes. When he comes back I specifically asked him are you checking with BANKS on my behalf and he said NO and left again and went back into another office. Another 30 minutes passes and I was getting ready to leave as I did not think it took that long to find out what XXXX interest rates were. He then takes me over to XXXX XXXX desk and XXXX writes on a scrap piece of paper that he can get me a XXXX new XXXX XXXX manual transmission for {$480.00}. a month. I started laughing and was getting up to leave and he said what can I do to get you to buy this vehicle today. I laughed even more I thought this was all rather funny as I had told him now on several occasions that I had my own financing even showing both XXXX and XXXX the email from XXXX and that I was still shopping and had plans to see more used SUV 's in the next several days. He said we can get you the new XXXX XXXX manual transmission for {$11000.00}. and it will be {$480.00} a month. I said no thanks and left. My XXXX year old son was with me and will attest to these facts also. The next day XXXX calls up and says good new we can get you in the XXXX for {$390.00} a month I was like what ... I told him that I had already told him on several occasions I was not ready to buy nor was I shopping for a new vehicle. Then I get notification from my bank that several hard inquiries had been run on my credit. I contacted the 3 lending institutions that I saw and inquired if any were XXXX financing none were. I contacted the manager of the dealership to give him a chance to correct this wrong. He said he was not there that day and he would check for me. He called back and said that XXXX had not informed the assistant manager that was there that day that I had my own financing nor did he tell him that I was shopping for a used vehicle. That XXXX had informed him that I desperately needed a vehicle. I did not give any one permission to try to get me financing nor did anyone ever ascertain from me the terms I would want to obtain a loan or even how much down payment I had as this information was already in my loan application with my bank XXXX and I had been approved for a loan through them for up to {$14000.00}. on a used vehicle of my choice. The manager said he would not contest when I sent my letters to the credit bureau that they ran unauthorized loan applications without permission using my information. But I find this practice very unethical and they lied to me and I am sure running someone's credit information without permission is wrong and should be prosecuted. I have further received a letter from PNC that says they declined to give me a loan. I called them and told them I did not apply for a loan with them. They were not interested in finding out that XXXX of XXXX Georgia ran this without my permission. It would seem that every bank that XXXX of XXXX Georgia pulled into this scheme of illegal behavior would also be culpable. I am not sure of the number of times they applied for credit for me without my permission or knowing how much I had to put down or any terms that I would want to complete a loan. The manager said XXXX never checked XXXX financing and that would only take a phone call and he did not need my information to ascertain the interest rates from XXXX. This seems to have been deceptive from the beginning nor has anyone informed me the interest rate or any other relevant information that I would need to make a determination. This was deceit from the beginning and these actions have been detrimental to me. These actions have harmed me as now the interest rate of my approved loan will be adversely affected by the deceitful actions of XXXX of XXXX Georgia. I will be happy to provide any and all information that you will need along with the contact information for my witness.
Company Response:
State: GA
Zip: 318XX
Submitted Via: Web
Date Sent: 2018-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-29
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: PNC Bank was reporting account number XXXX on my credit report as being 30 days past due XX/XX/2014 and 60 days past due XX/XX/2014. I did not realize that I was ever late on these dates so I requested the Credit bureaus to do an investigation to ensure this account was reported accurately. Well when the results came back, PNC updated my account to show that I was currently past due. I have attached a screen shot of my account from XX/XX/XXXX and attached a screenshot of my account from XX/XX/XXXX so you can see that the payment status shows that I am currently past due. How is that possible? How can I be currrently late when the account has been closed since 2014. This caused my credit scores to drop 100 points.
Company Response:
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2018-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-28
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Had four items presented as pending. Made a XXXX deposit. Per Reg CC deposits post before debits. All items were paid and I was charged XXXXX4 in NSF Fees. I was not overdrawn. I have pictures of my bank balances in real time the day of the activity and the day after.
Company Response:
State: FL
Zip: 33484
Submitted Via: Web
Date Sent: 2018-10-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A