Date Received: 2018-08-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: I had arranged to have a transaction with a person for some concert tickets. After texting and receiving a screenshot of the tickets to be transferred, I initiated a payment ( {$160.00} ) through XXXX. The person never sent the tickets and is now not responding to my attempts at contact. I contacted my bank, PNC, to see if this transaction could be disputed before it even cleared and was told that this is not possible. I was told that I should just request the money back from the person, which I have done, but them following through on this seems unlikely. I was surprised to find out that PNC offers no sort of protection for its customers in events like this.
Company Response:
State: CO
Zip: 80126
Submitted Via: Web
Date Sent: 2018-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have 2 Home Equity Loans with PNC. The payments are due on the XXXX of each month : {$660.00} on the primary and {$39.00} on the second. On XX/XX/18, I realized the auto-payments through PNC 's online payment transfer system did not occur on XX/XX/18 or XX/XX/18 as I had expected. I did not get a call and, since I use a separate checking account for loan payments only, I did not notice I had missed 2 payments. Once I did, I called customer service, went to the bank, etc., etc. I was told they would investigate the problem. I made 4 separate payments on XX/XX/18 ; two of XXXX and two of XXXX. I then made both payments on XX/XX/18, bringing my loans up-to-date. Eventually, I was informed that the investigation found that there was nothing wrong on the bank 's end and it was determined that I must have canceled the auto-transfers in XX/XX/2018. I was told it would not be reported to credit bureau. Since I didn't have any proof to argue that I did not cancel my auto-transfer, I moved on and continued to monitor my accounts online. Once I was up-to-date after the payments on XX/XX/18, I set up the auto-transfer online again except I changed the amount and frequency in hopes to get ahead on my loan. I set up bi-weekly payments of approximately half the amounts due XXXX {$330.00} and {$20.00} ). I ensured the payments would be paid so that the total amount due was paid before the XXXX. Therefore, on XX/XX/18, payments for XXXX and XXXX were paid to the loans. Then, on XX/XX/18, two more payments of XXXX and XXXX were paid to the loan ; total paid was XXXX and XXXX - made before the actual due date of XX/XX/18. Then on XX/XX/18, I got a call from PNC 's debt collection, informing me that I was behind on my payments by half. I went through each payment with the representative. She told me she could see that payments had been made and the accounts should not be showing as behind. She told me she would " put in a ticket '' to have it resolved and I should just keep making my payments as I had them set up. Also on XX/XX/18, payments of XXXX and XXXX were automatically transferred from my PNC checking account to the loans. And again, on XX/XX/18, two more payments of XXXX and XXXX were made - again totaling XXXX and XXXX, paid to the accounts before the due date of XX/XX/18. Then, on XX/XX/18, I got ANOTHER call from PNC 's debt collection department, telling me my accounts were both past-due. I attempted to go through each payment with the representative but this time she told me there were no payments made in XX/XX/2018. I have no idea what the problem is but I need it to be resolved, I'm sick and tired of having to deal with this every month!
Company Response:
State: PA
Zip: 165XX
Submitted Via: Web
Date Sent: 2018-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-22
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: To whom it may concern ; I am filing a complaint on PNC Bank. On XX/XX/XXXX my mother notice that we had an online mobile deposit and she called pnc customer service to ask about this deposit and how does one do this only to find she did not have access for mobile deposit. My mother was told she would receive a letter explaining and asked for our accounts to be flagged for Fraud. During this time we have not received any communication from any one at pnc bank. ON XX/XX/XXXX, my mother called customer service asking for an updated on her fraud claim and the missing {$4000.00} Unfortunately she had spoken with XXXX XXXX who could not figure out what was fraud and keep saying it was an online transfer. Then he transferred me to XXXX in Check Fraud, who told me its not check fraud but it is online fraud, XXXX was in contact with someone named XXXX at a Branch in XXXX OH and XXXX XXXX. The bank fought my mother over this claiming the money went into her account but someone hacked her account and took the money out. The issue has been ongoing for 6 weeks with broken promises from the bank to correct the issue and no call backs regarding updates on the problem. As of this moment we have been calling for several days and we have not had any follow up.
Company Response:
State: OH
Zip: 44134
Submitted Via: Web
Date Sent: 2018-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was effected by Hurricane Harvey in XX/XX/XXXX because of this and the damage and repairs needed to my home I needed to do a home modification. PNC worked with me and helped me do a modification. After getting the necessary paperwork my 3 trial payments were XXXX, XXXX and XXXX of XXXX which I made all on time. I kept in consent communication with my assigned lost mitigation person XXXX on a regular basis. It was very important to me that I followed all instructions she gave me. I did receive my loan documents in XX/XX/XXXX that needed to be signed and returned by XX/XX/XXXX, which I did. The documents said first payment was XX/XX/XXXX but I didn't even have the paperwork on XXXX or have it returned. I was told by PNC that my first payment would be due XX/XX/XXXX not XX/XX/XXXX. I received statements I was told to ignore so I did I just went by what I was told by PNC. On XX/XX/XXXX I called XXXX to make my first payment. XXXX was not available she had told me once if I needed to make a payment push zero and talk to someone else don't wait for her ( she didn't want it to be late by me waiting ) so on that day I spoke to someone else. The informed me that the first payment was due by certified funds - I was in such panic I didn't want it to be several days late. I was told not to worry go head get certified funds and get them mailed. ( Now I have learned that it did not need to be certified funds - so that cost me {$25.00} extra dollars I had to get two cashier checks and then 2 day mail since I mailed Friday they would get it Monday ) but when I spoke to her we talked about it being my first payment and it being due on XX/XX/XXXX - she never said oh wait you are already late it was due in XXXX - never was that said to me The whole month of XXXX I never received a call saying I was late - nothing - So Now I have paid what I thought was my first payment by certified funds - I think everything is good my next payment is due XXXX - this is what I am thinking I get a statement summary that says I owe over {$4200.00} on XXXX - for fees and a late payment .. so I called today because I was confused why so much would be due - the reason I did the modification was because I could not pay that much at one time but now I needed to. I called XXXX and she told me to ignore this statement now that the modification was done it would update putting fees in loan that my next payment was due XX/XX/XXXX XXXX - I asked her why it was saying I had a late payment - she did not know but she would check. She contacted her manager and got back to me and said they still did not know it was very confusing - she had to contact the closing officer - while we were talking the closing officer got back to her and said yes the first payment was due XX/XX/XXXX not XX/XX/XXXX - Now I am a month behind and didn't even know it and I have to pay 2 payment by XX/XX/XXXX or I am going to get in same situation that I was in ... getting behind on my payments This is so WRONG How can they tell me one thing on the phone and then it really be something else? XXXX told me that she just found out the rules changed and she just found out. She was pretty upset about it - she stated it wasn't fair that they as PNC representatives tell clients one thing and the rule change no one notifies them and then this happens. She did explain sometimes rules policy change - and I get that - but like I told her my husband is a police officer and in XXXX when the laws change they have training on it before the change - not after. But PNC doesn't do training on the new rules- they just give people the wrong information. I was given the wrong information and today XX/XX/XXXX is the first time I am told the right information - but I am already a month behind. Its like they did the modification but they wanted be to get behind again so they could foreclose. If I hadn't called in so much to make sure I was doing everything correctly - I can see this happening if I had not called in XXXX about my payment - at that time I was given wrong information - to send certified funds, my first payment due XXXX I didn't even have my paperwork or had a chance to review it by XX/XX/XXXX -when my they now say my first payment was due - If you didn't have the paperwork - have the paperwork signed, have the paperwork returned by the due date - and you had been told first payment due XX/XX/XXXX - Thats what you think first payment due XX/XX/XXXX I can not - CAN NOT - pay 2 payments in XXXX - I am not getting in same situation because I was given wrong information by my POC and other employees of PNC XXXX I am not paying these late fees This is wrong My POA XXXX is very upset about not being informed of the change - she did a complete for me at PNC she said a manager would contact me about this issue and it would stay open until it was settled - hopefully PNC will fix this. I also wanted to file a complaint before it got to far along and I get more late fees or further behind. I can make my XXXX payment but I can not make 2 and I shouldn't have to make two. This may not be an issue of concern for PNC and the complaint XXXX filed internally and told me it would remain open until it is addressed. I want to make sure it is addressed before the XXXX when my next payment should be due - not 2 payments I can not and do not want to get behind again and its not right that I am because the instructions I received from PNC and by the time I got my paperwork in XXXX the payment would have already been late - how can they expect a payment when I don't have the paperwork and was told to pay in XXXX Thank you for your attention with this matter I just can't go through this again. My XXXX XXXX has been dangerously high has caused fXXXX XXXX XXXX XXXX XXXX with XXXX XXXX. I finally got it under control and feeling better - then this! I can't take it
Company Response:
State: TX
Zip: 77493
Submitted Via: Web
Date Sent: 2018-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-22
Issue: Problem when making payments
Subissue:
Consumer Complaint: I took out a home equity loan in XXXX of XXXX at PNC bank. The payments were set up to automatically be deducted from my PNC account and applied to my PNC loan every month. I also was making an additional {$310.00} a month principal payment electronically each month. Starting with the 1st payment and continuing up and till XX/XX/2018 Pnc was removing the money from my account and not applying it to my loan on a route-en bases. I have been in contact with PNC loan department every month several times trying to get the payments applied to the loan properly. The agents i have spoken with had informed me that they could see the money that was taken out of my bank account and then some of it was put into a suspended account. The suspended account was not being applied to the loan and at one point there was over {$1200.00} in suspension. This amount triggered there computer system to put my account in default and they sent me a foreclosure notice on my property. All along the money was being deducted from my bank account and being held by PNC banks loan department. Since this happened i contacted another banking institution and secured a loan with them to pay of my PNC loan. The pay off completed this past Monday and i am now trying to recover an over payment that was still in suspension on the date that the pay off total was generated. There agent informed me that the payoff would not include the amount in suspension but it would be placed onto my account once it was taken out of suspension. After getting this information i was able to see that the XX/XX/XXXX payment that was in suspension had actually been released and applied to the XXXX payment date of XX/XX/2018. While reviewing this correction i found another entry on XX/XX/2018. I made a principal payment of {$310.00} and it showed as being applied to the principle of the loan. Then on the next line of my statement it showed that there was a - {$310.00} removed on the same day from the principle and to this date it has not been reapplied. There for i am owed the {$310.00} as a refund. I also requested that the early termination penalty be refunded due to all of the problems with there system and the foreclosure notice i have received. The agent XXXX XXXX in the retail escalation department informed me as of XX/XX/2018 that she had requested the early termination fee of $ XXXX.waived and that she could see that there was still {$310.00} in the suspended area that i was due as a refund. I have been reaching out to them every day including today trying to find out when these refunds would be processed and as of today 's call to the loan servicing department XXXX XXXX she was unsure when the back office department would get to these items and when or if they would be processing them for a return. I am also trying to establish that there was a {$500.00} early termination fee in my agreement but after all of the moving of payment and reapplications of payments i can not tell if this was charged and hidden inside of there system. The last statement that i had made a copy of now listed that there was {$1300.00} in late payment fees. I have no way of telling if this is where they were placing fees and when i questioned them they were unsure and that the back office people were working it all out. I have made a total of 5 regular monthly payments of {$300.00} and 4 principal only payments of {$310.00}. The reference # i was given was XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15650
Submitted Via: Web
Date Sent: 2018-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-21
Issue: Other transaction problem
Subissue:
Consumer Complaint: Responded to an ad for a ticket to XXXX. In XXXX I communicated via email that I would send funds ( very foolish will of course not do again ) and retrieve the wristband/ticket when they were shipped mid/late XX/XX/XXXX. Transaction was made through peer-to-peer service XXXX which works through my bank PNC. Contacted PNC, after going through a fraud / dispute was told some time later ( today XX/XX/XXXX ) that there was nothing they could do. Received a ticket/wristband from a friend and didn't need to go through with this transaction. I let the other party know this, was told I would be refunded when they got a chance to resell the ticket. Then I never heard back from them. I never met with the seller as we had originally planned and never received anything from them. Funds were sent to a person identified in XXXX as " XXXX XXXX '' with email. Also have email - XXXX or phone number XXXX. I have sent several emails and requests for the {$190.00} to be sent back to me, all have been ignored. I have the email and phone number that this person used for me to send them money fraudulently.
Company Response:
State: IL
Zip: 60647
Submitted Via: Web
Date Sent: 2018-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-21
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened a Performance Select Checking account online on XX/XX/28 with PNC Bank. My opening deposit was {$2000.00}. Since opening the account, I have been unable to set up an online account or obtain a Debit Card. I am completely restricted from my funds. I have called twice to either obtain online access or have them mail me a Debit card. Both times they say that I have to visit a branch, even though they have searched and found no branches within 150 miles. I can't even get them to mail me a signature card, which they say is also needed for the account.
Company Response:
State: FL
Zip: 32309
Submitted Via: Web
Date Sent: 2018-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-19
Issue: Vehicle was repossessed or sold the vehicle
Subissue:
Consumer Complaint: PNC bank loan {$290.00} per month. On Friday XX/XX/2018 I spoke with rep from PNC collection dept.XXXX and made a payment of {$500.00} this left {$270.00} owed for XX/XX/XXXX. I explained to the rep I would try to come up with the money over the weekend but new I would pay that amount on Friday ( meaning XX/XX/2018 ) As I left for work on Thursday XX/XX/XXXX, XXXX pm I was met in my driveway by repo truck and my car was towed away.The earliest I could speak with a PNC rep was XXXX XXXX Friday XXXX. XXXX at PNC received my call and explained I would have to go to local branch and pay cash {$270.00} del. amount owed and a Repo fee of {$400.00}. XXXX was unable to explain the reason the car was repo when 1 month behind so he forwarded my call to a call review line XXXX for XXXX to pull a recording of my conversation with the PNC rep on XX/XX/XXXX. A message was left and I was told I could check back within the hour to see if he had reviewed recording. If arrangements were made my car would be returned to me and fees reimbursed. I called several times thru out day with no answers and no call back from XXXX. After getting a ride to nearest PNC branch 45 min away I pay the {$270.00} + {$400.00} cash to PNC XXXX XXXX XXXX NC and wait for a XXXX XXXX to call PNC Collection # to confirm payment and fax copy of rec.to XXXX. Rec sent XXXX explained 30 min. wait and I could call XXXX XXXX to get car released for pick up at repo lot. I wait then call to have a rude lady state I would now have to pay the current bill {$290.00} due XX/XX/XXXX late after XX/XX/XXXX. I go back to PNC Bank explain to XXXX XXXX what has taken place and now the system is down so he and I both wait to get thru 45 min. later I am told once again I can wait 1 hour to call XXXX to have car released. It is now XXXX Friday XX/XX/XXXX. and I am given Vin # and contact information of where the vehicle is. The storage charge is {$450.00} due at appointment earliest available Monday XX/XX/XXXX at XXXX 2 hours away. No one at PNC can explain why my vehicle was reposed less than a month late and no one has returned my call about reviewing my call on XX/XX/XXXX. Still no car.
Company Response:
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2018-08-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: RECEIVED THE WRONG INTEREST RATE FOR MY MONEY MARKET ACCOUNT. OPENED THE ACCOUNT IN XXXX XXXX FLORIDA IN XX/XX/2016. MOVED TO OHIO IN XX/XX/2016. HAVE BEEN RECEIVING THE FLORIDA RATE FOR TWO YEARS, AND I WANT THE CORRECT INTEREST RATE APPLIED TO MY ACCOUNT. BANK TOLD US THAT WE WOULD HAVE TO CLOSE THE ACCOUNT AND REOPEN IT. WOULD NOT MAKE UP CORRECT INTEREST.
Company Response:
State: OH
Zip: 44691
Submitted Via: Web
Date Sent: 2018-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-16
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Unable to get LEIN off an account with XXXX XXXX XXXX XXXX. I was informed that I was XXXX XXXX XXXX XXXX had merge with XXXX XXXX XXXX which was purchased by PNC Bank, I am trying to sell my XXXX XXXX Boat, VIN # XXXX however, I unable to do to the fact the neither XXXX XXXX XXXX, XXXX XXXX, or PNC Bank has sent me a cleared title. On XX/XX/XXXX, I went into the PNC Bank branch in XXXX, Michigan and was assisted by a customer representative XXXX who told me to go home type out a letter to the bank requesting the VEHICLE LEIN RELEASE LETTER in which I went home to type out the letter. Appearently no forms at the bank. On XX/XX/XXXX, I returned to the bank in XXXX and XXXX faxed the letter to an unknown unit or entity of PNC Bank. She would not give me a direct number to the unit but said I it might take 5 days and then it would be mailed out. She suggested that I request that the cleared title be both mailed and faxed to the bank in which I did. No tracking number or anything. Today I called XXXX who gave me the number XXXX which I called and was informed that they had nothing to do with PNC Bank. Allegedly, the letter was faxed to XXXX.
Company Response:
State: MI
Zip: 48197
Submitted Via: Web
Date Sent: 2018-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A