Date Received: 2018-08-03
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I signed up for a new cash rewards card with PNC months ago and was suppose to receive a bonus of XXXX dollars when I spent 1000 or more total in three billing cycles. I called PNC numerous times and was asssured I had met this just keep using the card and was just taking sometime. Finally it reach where it was was taken to their complaint department after calling again who called me back recently telling me they dont have any promotions for XXXX dollars back yet its clear as day they do and is posted online still today. So in the response submitted to the CFPB I ask PNC provide all promotions offeres in the last year to current. Furthermore, failing to provide the advertised promotions is possibly a direct violation of unfair predatory banking practices and possible violations to consumers protection acts and the Dodd Frank Acts. Many new accounts were opened with PNC and people arent getting what was advertized which is not only unfair to consumers but other big banks like XXXX and XXXX XXXX XXXX who have honored their promotions and agreements with consumers.
Company Response:
State: MI
Zip: 497XX
Submitted Via: Web
Date Sent: 2018-08-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-06
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/XXXX, I initiated a transaction in the amount of {$550.00} to a therapist from my PNC Bank Account via the XXXX application embedded within the PNC Bank app. Prior to initiating the transaction, I corresponded with the therapist via email, text message and viewed her website. Upon receiving the payment, she stopped responding to my emails and text messages. I have tried, without success, in getting my money refunded. I received no warning or notice at the time of disbursement that the funds would not protected by consumer protection law or fraud protection laws.
Company Response:
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2018-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-04
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I am a long time account holder with PNC bank. I have a personal checking and savings account with them. I also have a home mortgage with PNC. My federal retirement check is direct deposited with them each month. Today I go into one of their branches to cash a rebate check in the amount of {$3.00}. I give them my account number, show them a personal book of checks, and my state issued drivers license and they refuse to cash the check.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2018-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-03
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: PNC LN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX and XXXX XXXX We started a short sale on XX/XX/18 and faxed our authorization to PNC. We have sent our authorization in multiple times since then, yet PNCs front end seems to have no access to the authorizations on file. They not only refuses to speak to us, but refuses to transfer us to someone that can speak to us. This has been a trend with PNC over the last year on ALL our short sales they dont upload the authorizations so their front end can see them, then they refuse to speak to us on the short sales that we are CLEARLY authorized to speak on. In addition PNC is REFUSING TO SEND US A PAYOFF DEMAND. These are both violations of servicing guidelines and this needs to stop NOW. I want our authorization uploaded appropriately and I want a Payoff Demand with NO FURTHER DELAYS OR EXCUSES. WHY is PNC being allowed to violate servicing guidelines??? WHEN is this going to STOP???!!!!
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have sent PNC a Payoff for my Second Mortgage. The Title Company XXXX the Pay off Check and PNC accepted and signed for the Check on XX/XX/XXXX. Since this time I have been on the Phone with them Daily to try to get them to Pay OFF my second. As of XX/XX/2018 the payoff from the Title company still has not been posted or cashed and now I have the Collection Department contacting me about the monthly payment. PNC has confirmed that they have Signed and received the Cashier Check but can not explain why they have not Paid off or Closed my account Any help you can provide I would appreciate it Today is XX/XX/2018 and I am formerly writing a complaint against PNC
Company Response:
State: CO
Zip: 804XX
Submitted Via: Web
Date Sent: 2018-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-02
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: PNC Bank routinely charges overdraft fees when accounts have NOT gone into negative status! On XX/XX/2018 at the end of the business day our account did not go into negative status but on XX/XX/2018 PNC charged us with a " ghost " overdraft fee. I say ghost because they didn't report the fee in transactions history until Monday XX/XX/2018. I immediately called on XX/XX/2018 and was told I had to wait for a call from the escalation department. XXXX XXXX was the escalation person who called Monday XX/XX/2018 at XXXX XXXX CST. After discussing the issue and providing him with evidence he refused to reverse the charge.
Company Response:
State: IL
Zip: 60490
Submitted Via: Web
Date Sent: 2018-08-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We started a loss mitigation application Last XX/XX/XXXX with PNC. PNC has represented itself as the servicer for our mortgage. We own a home at XXXX XXXX XXXX in XXXX Virginia. We obtained an appraised which showed a value of XXXX. PNC requested their own appraisal and PNCs came back at XXXX. The loan balance on our loan is XXXX. So, whether the appraisal is XXXX or XXXX, we are upside down roughly XXXX and we can not continue the mortgage with our current financial situation. We were seeking approval of a short sale from PNC. We are not in foreclosure. We received a contract offer in XX/XX/XXXX for XXXX on the home. It is now vacant and has been burglarized. After months of closing and reopening our file, being told they were heavily regulated and having us jump through hurdles our file was finally complete on XX/XX/XXXX. We received notice from PNC that our loan application was complete as of XX/XX/XXXX. They did not respond to us with any options. PNC never told us that it needed more information. We were finally advised of an offer by a PNC representative XX/XX/XXXX, that PNC would accept XXXX. They didnt say how that would be handled, or how it would work. We were told however, that we would need to make a counter offer to the prospective buyers who offered the XXXX for XXXX. We were also told that we would need to list the property on the real estate marked for a limited time. We countered at XXXX to the potential buyers as we were told to do. As expected, the buyers came back with a XXXX counter to our counter along with a letter detailing how they came up with the figure. The property is in poor shape so this was no surprise. We were told that we had a three day deadline to get PNC an answer back from the potential buyers. In addition, we asked what the tax implications were going to be and if we would be released from the loan and we were told we would have to make the offer first before anyone could tell us that. This was a difficult situation because we were talking hundreds of thousands of dollars in financial and taxable consequence. Based on our understanding of what PNC told us to do, we submitted the buyers counter-counter offer of XXXX to PNC within the three day deadline they demanded. It is now my belief that they should have given us at least 14 days, or through XX/XX/XXXX. The PNC rep told us that she didnt know whether PNC would accept the XXXX offer. We were not advised of any other options available to us so we waited for their answer. PNC came back to us on XX/XX/XXXX, after hours, stating the counter-counter offer of XXXX was denied. We asked the PNC rep if we could add additional money to the deal that same night to create a total of XXXX, their whole figure. She told us we could. Two days later, they informed us that we could not and that our file was closed. All of this was before XX/XX/XXXX. We then received a letter from PNC dated XX/XX/XXXX stating that they needed additional information for a third party related to value of the property. This was just a lie. Their appraisal was completed on XX/XX/XXXX before the initial offer was ever made by PNC. They also sent us a second letter at the same time, also dated XX/XX/XXXX stating that our request was denied. The only reason stated was that the minimum net proceeds required for a short sale on your property were not met. We DID offer the full amount. I then sent letters to the master servicer, XXXX XXXX and out of the blue about 3 weeks ago their attorney contacted our attorney. Our attorney cited many regulations that were not complied with in our case and we again told the attorney for PNC that we would like to resubmit the XXXX offer they had given us in hopes they would be compliant of the federal regulations. The response back from the PNC attorney was that the regulations didnt apply in this case because the property in question was not our primary residence. This was amazing to us. PNC knew this from the beginning. Our application specifically says that were looking to a short sale which is not our primary residence. So, we have PNC representatives telling us on one hand that they are trying to comply with the loss mitigation regulations and making us jump through all of these hoops, and we have their lawyer telling us that the regs dons apply. To a consumer, this is very confusing and disturbing. Two people at the same institution are telling us two very different things. The entire year we have been dealing with this situation, working with our buyer to get the short sale complete and were always told our case was heavily regulated. Our attorney cited the regs and how procedure was not properly followed, which would have given us an additional 10 days to have negotiated with PNC on the make whole value ; meaning we would have been able to submit another offer. However, PNCs attorney came back after we cited the regulations saying that our file was not regulated because it was not our primary residence ( their loss mitigation application, on the first page, says if the property in question is not the primary residence to list all residences ). The issue of our home being primary residence was never mentioned this entire year until now. In fact they made us an offer knowing the property was not our primary residence. After the attorney gave us this information, our attorney responded by saying that if, in fact, that was not the case than our should still be open, or easily reopened, and a contract to make the XXXX offer could be accepted. He told our attorney that the only thing we could do was to submit yet another loss mitigation application and try again. FOR WHAT? If the regs dont apply per their attorney, why is PNC telling us and acting as if they are? If they do apply, theyre not following them. This is a tremendous loss for our family and any consumer would be overwhelming frustrated and confused by PNCs process. The original buyers are still around and we can still make an offer to PNC for XXXX, the EXACT figure they said they needed. We understand that you cant make PNC accept our offer, but you can investigate our case and make sure they complied in all respects.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23238
Submitted Via: Web
Date Sent: 2018-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/2018 Deposited via ATM {$1800.00} at a PNC Bank Branch in XXXX, VA into my PNC checking account. After taking my funds, the ATM immediately displayed a temporarily out of service error and my debit card was ejected shortly after. However, my account was not credited to reflect this deposit. I went into the bank to resolve this issue, but none of the employees at this bank branch has access to ATM. My only recourse is to file a dispute. The dispute takes up to 10 days to be resolve and for this entire time, I don't have access to my funds. Because of PNC 's faulty ATM, I don't have access my funds for days.
Company Response:
State: VA
Zip: 20171
Submitted Via: Web
Date Sent: 2018-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My son was cyber hacked some how and charges started showing up on his credit cards and when we got those to stop the hit his bank account several times for thousands of dollars over the next week and a half
Company Response:
State: MI
Zip: 486XX
Submitted Via: Web
Date Sent: 2018-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-01
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I opened a checking acct with PNC Bank in XXXX XXXX ( XXXX XXXX Office ) on XX/XX/XXXX. The agent that I spoke with and made the initial deposit with was XXXX XXXX NMLS ID XXXX. Several months afterwards, I called customer service as I needed to edit some information on one of the payees that I had entered into the account. While on the phone with customer service they somehow eliminated my entire roster of accounts. I was told that they could not recover the info and I would have to re-enter it one at a time. As this rendered the account useless I went to PNC and told MS XXXX what happened and that I wanted to close the account. This was on XX/XX/18. She told me the account was not open 90 days and they would have to charge me {$25.00} to close the account. I withdrew some money at that time and left some money in as I was not willing to close the account and pay the {$25.00} to close the account, essentially paying for PNC 's ineptitude. I returned to the bank on XX/XX/18 to close the account and was told then by MS XXXX they needed to charge me {$25.00} to close the account as it was not 120 days ( up from the 90 days I was originally told ). After this visit I reviewed the paperwork I received with the account and there is no mention of any fee to close and account. Way too much razzle dazzle!
Company Response:
State: VA
Zip: 23454
Submitted Via: Web
Date Sent: 2018-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A