Date Received: 2018-08-29
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: XX/XX/2018 PNC Bank continues to charge me a fee for not having " qualifying deposits, '' even though I deposit more than the required amount each month. I am injured and can not work. I accept small jobs for cash intermittently in order to pay bills and live depositing more than their {$500.00} a month but I can not get employment. They are requiring my deposits be ONLY FROM PAYROLL CHECK DIRECT DEPOSITS which I can not do because no one will hire me with my injury. This is a violation of my civil rights and it violates the XXXX act.
Company Response:
State: NC
Zip: 27615
Submitted Via: Web
Date Sent: 2018-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hello Team, I have mortgage loan with PNC bank which is recently transferred from XXXX. My complaint is regarding the PMI removal from my loan. I closed my loan originally with XXXXXXXX XXXX and that time they mentioned me that my PMI will automatically be removed whenever my LTV resches to 78 % so I made additional principal payments and now when I requested bank to remove the same they are asking to do appraisal and as per their document the appraisal value should come to more than my buying price of the property. Please find attached document for your reference. Original Loan Amount : {$330000.00} Current value : {$290000.00} Whenever I try to call customer care they give different answers and not willing to remove my PMI insurance even this is mentioned in my loan. Please help to resolve this issue. Regards XXXX
Company Response:
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2018-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-28
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have been having problems with this company since early this year. I had emailed my 'portfolio manager ' information that I wanted to set up auto draft. I hadn't heard back from him so I figured everything went fine because I submitted the document that was forwarded and requested from them. I did not know at the time that I had no choice in the date for an auto-payment withdrawl at that point. I submitted a couple emails with the form filled out with no reply. Several months go by and I realize that the money is not coming out of my account when I start getting collection calls and emails. So I reply to the emails since my work schedule doesn't allow for me to make too many personal calls during the day. I stopped receiving calls shortly after, thinking that they received my request to pull the past due amounts from my account and to make sure the auto-draft was started. 2 weeks later the calls start up again and again I finally get someone on the phone. I do not recall who it was but it was a customer service person. I got my account back in good standing and stated I will email in the form once again to the address they have listed and I double checked that was still the right address. So I did just that. I didn't hear back from them that anything was wrong. No email reply. Time goes by and with spring being a busy time for me running an equine boarding stable plus working a FT job, I start getting collection calls again. I am irate at this point. I have done everything they have asked me to do and yet they still refuse to set my account up on automatic drafts as I had requested. So I finally get in touch with a supervisor, a XXXX XXXX, which the reps were trying so hard to not do, and he and I exchanged emails after a very heated discussion about the past rep not doing what I had stated he would. He stated that they can not take payments out any other day but the 1st of the month. Everything I had sent indicated I wanted the 5th or later, but XXXX XXXX XXXX stated this was not possible. So I guess they just chose to ignore my emails instead of address the issue? I forwarded the emails I had sent to the previous rep with the forms, and it was confirmed from XXXX XXXX in an email that he would follow up on that rep 's email management. Either way, I was still behind on lease payments again. Along with late charges that they refused to remove even though their lack of communication caused the late charges to accrue. I then replied stating that while having the payment withdrawl date be on the 1st is a financially difficult thing for me, just go ahead and set it up that way because they don't take payments any other way except mailing a check ( which I don't trust that they won't mysteriously misplace like they have in the past, akin ignoring my emails to set up auto-draft ) or making a payment over the phone which they charge you {$15.00} each time they take the payment over the phone, which is extortion. No company charges that much to take money from you. There is no option to pay online or even through an automated system. This makes it very difficult to give them the money to do so. When I signed the lease originally, it was not disclosed to me that changing the payment date would not be possible and back then it wasn't as much of a concern. Back when I signed the lease, I was in a different job that paid weekly so money in the account was not a concern. Now I am paid twice a month from my new salary position, which is the XXXX and XXXX of each month. I am lucky to receive any payments from my XXXX on the 1st. It is rare because most of them are paid in a similar interval to me. So thinking that XXXX XXXX XXXX had followed through with my email to set it up on the 1st, I moved on. Boy was I wrong. XXXX XXXX XXXX had not followed through, just like the portfolio manager he was supposed to follow up on. I get a call today saying I am behind ... with more late charges and they insist on charging me the {$15.00} phone-payment fee to take the money they were supposed to be auto-drafting. So I check my account ... and yep, none of the payments had been drafted. Yet because I had already assumed they had been taken out as I intended. So now, if I talk to the person over the phone to get caught up, they want to extort more phone-payment fee money from me plus late fees that should never have been charged to the account. XXXX XXXX XXXX claims to have not deleted emails nor to have received the one I replied to/sent. Given that this is what the other rep ( XXXX XXXX in the email chain ) had stated, this seems to be a trend that I wonder if XXXX XXXX has taken notes from XXXX XXXX on unethical business practices. To charge late fees after claiming they never received a check, nor my emails, and then to get the account caught up I have to pay another fee on top of it unless I want to mail another check they can lose. This is excessive and they deliberately make it difficult and expensive to make payments to charge late fees. I have continued to connect with the company via email to resolve this. Since the above has happened, I have also requested on XX/XX/XXXX that {$250.00} be taken from my account to complete the XXXX payment that their incompetence had made late and not paid. I continued to get calls and emails. Today, I stated that I would like them to withdraw two payments in the amount of {$220.00}, for a total of {$440.00} for the XXXX and XXXX payment. I was then notified that the XXXX payment had not been made, despite me receiving an email confirmation from agent XXXX XXXX. She claims I never replied to her email so she didn't make the payment. Yet I have confirmation of said reply to her email. She claims she has never received it. This continues to be a problem and as I see it, it is a way to get additional fees and charges and finance income by intentionally not putting requested payments through and any check I send, they claim they don't receive, despite having tracking numbers stating that it was received by their office.
Company Response:
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I closed on the sale of my home on XX/XX/2018. The home was originally financed through a conventional mortgage with XXXX XXXX. For the following 2 months I made my mortgage payments, paid in full and on time to XXXX XXXX as agreed. During this time I was not informed, never received any type of documentation or confirmation, letters Etc that my loan was in the process of being sold. Apparently, in XXXX of 2018, the transfer process from XXXX XXXX to PNC Mortgage was made without my knowledge. My loan had been sold to PNC Mortgage and both companies neglected to inform me, send notification or to confirm that I was aware of this change. it wasn't until I received a notice in the mail from PNC Mortgage collections, with a notice of early foreclosure that my mortgage had been transferred to this company. Again, I had no knowledge that my mortgage has been sold, transferred, or that I should stop making my payments to XXXX XXXX. I called PNC Mortgage immediately and inform them that I was never made aware of this change, that I had been making my payments and they were made to XXXX XXXX, written from checks directly from my bank. There is proof of this on my account. They informed me that the mail that they had been sending had been returned, for whatever reason, but I never received it. They were aware that I never received it. They were also aware that I had been mailing payments to XXXX XXXX. XXXX XXXX had been forwarding the checks to PNC Mortgage, assuming that they could process the payment. I was informed by PNC Mortgage that they could not process the checks due to the fact that they were made out to XXXX XXXX. They have been harassing me since this date, constantly sending letters and calling threatening foreclosure and collection when this entire time I have been making my payments and I was never informed that my mortgage has been sold. This harassment has continued and I've told them to stop. They refuse to stop harassing me and have violated federal law given the fact that they begin sending foreclosure and collection letters before I even became aware of the transfer of my mortgage. I cancelled the payments made to XXXX XXXX that could not be processed and once the funds were returned to my bank account I immediately paid PNC Mortgage. At this time my account is paid and is up-to-date, yet I still and receiving threatening, harassing letters of collection and foreclosure. They have no lawful reason to contact me or to put my credit in jeopardy or my home. I am current on my payments, I have never been late on a payment for anything in my adult life and these people have threatened and harassed me when they never even informed me that my mortgage has been sold to them. This is a corrupt company and what they are doing is highly illegal. I will be filing a complaint here, I have contacted HUD for assistance and I will be contacting the Attorney General 's office as well. I have told PNC Bank to stop harassing me, to stop calling, sending letters of collection due to the fact that my account was current and paid. They have no legal right to threaten me. there are also issues with privacy and the information that PNC Bank has obtained on me. I never applied for a loan with PNC Bank, I never gave them my personal information and I never consented for them to have my personal information. They have phone numbers for me from the last 15 years that we're never public record. This is an absolute violation of my privacy and I believe that this is something that needs to be investigated as well. They have immoral, unethical and illegal business practices. PNC Mortgage is breaking the law
Company Response:
State: CA
Zip: 920XX
Submitted Via: Web
Date Sent: 2018-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-27
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: on XXXX I had a check presented for {$500.00} as pending. I deposited a check the same day to cover. Credits are supposed to post before debits. My deposit cleared the next day and the check was paid and I was CHARGED a UNCOLLECTED FEE. at XXXX my full check was available, I don't understand how I could have been uncollected?
Company Response:
State: FL
Zip: 33484
Submitted Via: Web
Date Sent: 2018-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-25
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/2018, I attempted to make a {$300.00} cash deposit at the PNC Bank ATM on XXXX XXXX, XXXX, SC. The ATM was down for maintenance, and the branch office was already closed. As I have an automatic draft that is submitted on the XXXX of each month, I was attempting to make this deposit to cover this check. As the PNC owned ATM was down for maintenance, I went to the next closest ATM, a XXXX XXXX ATM up the street, as the next closest PNC Owned ATM is in XXXX, NC. The cash deposit showed up into my account as a pending deposit. This deposit did not clear until XX/XX/2018, resulting in two overdraft charges of {$36.00} each, a {$3.00} ATM usage fee, a {$3.00} Balance Inquiry Fee and a {$7.00} continuous overdraft fee. I have filed a complaint with PNC Bank on, and I was informed by their Money Management department that the fees were correctly charged to my account since I chose to use a non-PNC owned ATM to make my deposit, and my claim was denied.
Company Response:
State: SC
Zip: 29673
Submitted Via: Web
Date Sent: 2018-08-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Hi, I received a brochure from PNC Bank saying if I refinance my current PNC Mortgage to a Harps mortgage loan and also open a checking account, I would receive {$400.00} incentive in my checking account. The condition ( s ) of the incentive is : ( 1 ) initiate a direct deposit within 60 days. ( 2 ) Make 3 bill payments within 60 days. I talked with XXXX the loan officer at that time and confirmed it. He opened the Mortgage loan and a checking account. I fulfilled all the requirements from my end and still didn't receive the {$400.00}. I contacted XXXX who escalated it to XXXX who then escalated to the customer relations officer with no result. All they said is that I did do a direct deposit and 3 bill payments but made one of the bill payments which is initiated through my other bank and came out of my PNC Bank?? How does a non employee know if it is different when it is initiated from PNC or other Bank? All I know is, the payment came out of PNC bank. I also called XXXX and another employee of the bank before the 60 day period ended, to confirm that I met all the requirements, who did confirm that I met them and to wait for my {$400.00}. If the employees ' themselves don't know the technicalities of the account, how can you expect it from others? Also, I called before the 60 days, so had I been told that one of the bill pay will not be counted towards the incentive, I would have initiated another one since I have plenty of time then. Bottom line, I am not happy with PNC. My other banks ' will go out of the way to help for being their customer but never have I seen a bank like this who said that it is up to me, if I decide to close my accounts with them. I have been an excellent customer for them for over 14 years with 2 Mortgage loans, credit cards, checking accounts and money market accounts! Is this how they treat their loyal customers? I feel like I am being scammed of my {$400.00} and now I am ready to close my Mortgage and my credit card and also my family members ' other 2 accounts. I know, that I should have brought this complaint long ago, but better late than never! I want others to know not to fall for this kind of incentives from PNC, they will beat you up with technicalities which you will never know. . I was busy then and didn't get around to write this sooner, but I still have my mortgage and credit card accounts with PNC, so I am bringing it now. Thanks, XXXX XXXX
Company Response:
State: AR
Zip: 727XX
Submitted Via: Web
Date Sent: 2018-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-24
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I told pnc bank before to put my work on a do not call list. I found out that around XXXX XXXX XXXX XXXX they have been calling my work.
Company Response:
State: MI
Zip: 49120
Submitted Via: Web
Date Sent: 2018-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PNC has not properly credited my payments. I am getting threatening calls. They said I am two months behind but never specified the dates. I then opened a complaint with the CFPB and they returned credited two payments to us. One after 93 days! My previous complaint number is XXXX
Company Response:
State: CA
Zip: 92677
Submitted Via: Web
Date Sent: 2018-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Please note that the selections available for describing my problem on the previous page were limited and no not accurately represent my issue. Earlier this month my identity was compromised. This thief has just about all my information and has opened credit cards and accounts credit unions in my name. I received a call from PNC on XX/XX/18 notifying me that there was man calling saying he was me and asking to change my address and attempt to open credit cards. I confirmed that this was fraudulent and the representative at PNC ensured me that the underwriting department has 1 ) stopped the credit card attempts before they would go through, and 2 ) inform the credit unions that my identity had been compromised and that I needed a fraud alert put in place. Today I learned that no fraud alert was put through to the credit unions by PNC and that a credit card was successfully opened. Since then, multiple credit cards have been attempted to be opened in my name. I believe one was attempt was successful but I am unable to find out what company the credit card was opened with because I cant access my credit report because the thief has created accounts with the credit unions and virtually locked me out.
Company Response:
State: CO
Zip: 80203
Submitted Via: Web
Date Sent: 2018-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A