Date Received: 2018-07-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: There was a fraud account transfer from my checking account for a total of {$350.00}. The app used was XXXX XXXX app. I tried to contact the person ( XXXX XXXX ) whom the money was transferred to and they immediately blocked my number after withdrawing the funds. I immediately called XXXX XXXX App but they asked me to call my Bank to dispute it. I called my Bank ( PNC ). They took more than 8 weeks and denied my claim and charged me Overdraft Fees ( {$72.00} ). Either XXXX XXXX could have called the person ( XXXX XXXX ) and resolved ot my bank ( PNC ) would have done a proper investigation. Instead PNC charged me overdraft fees and failed to do a proper investigation. Peron who committed the fraud : App : XXXX XXXX XXXX XXXX XXXX ID : XXXX Identifier : # XXXX Source : PNC I want XXXX and PNC to investigate the fraud with the person XXXX XXXX and refund me the total {$350.00} + {$72.00} = $ {$420.00} Peron who committed the fraud : App : XXXX XXXX XXXX XXXX XXXX ID : XXXX Identifier : # XXXX Source : PNC Information about the app : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX is a mobile payment service developed by XXXX XXXX, allowing users to transfer money to one another using a mobile phone app.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Lost job in XXXX. Got another job but not making enough to cover all bills. PNC Mortgage and Mr XXXX agreed to a re-payment plan where he had to put down {$3500.00} and proceed to pay {$1800.00} per month for 18 months. Have receipts for this. PNC made an error ruining the payment plan causing it to stop. PNC fixed error. I continued with the payment plan. PNC made another error saying Mr XXXX owed an addl payment after the payment plan ended in XXXX, Mr. XXXX paid an addl two months payment. PNC Bank rejected the payments and now the house is in foreclosure. I applied for a modification in which I was denied based on my income. I applied recently with my current lawyer XXXX XXXX. My income is no longer an issue now. It has increased tremendously. He is now working two jobs that total XXXX a year plus to rental incomes in on e of my properties. All income and rental incomes with lease are provided in attached documents. PNC Bank refuses to look at my modification stating they have a policy that you can only apply to loss litigation twice. Mr. XXXX want to keep my home. Please help!
Company Response:
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PNC Bank stopped sending information necessary to continue my multi-year history of timely and complete, full payments of my HELOC as of XX/XX/2018. I have made numerous attempts including but not limited to online correspondence, telephone calls, and written letters. PNC Bank has replied with a succession of non-action. I have gone above and beyond my due diligence and reserve all rights while withdrawing none. The aggresive and predatory techniques by PNC Bank, mainly the purposeful and premeditated deceit of their obligations as established by the PNC Bank Code of Conduct, and, most importantly, Federal Law, should concern all. I have continued to make timely monthly payments using my payment stub from XX/XX/2018. PNC Bank continues to draw monies from my personal checking funds while denying me requested information as to where these funds are applied. In addition, PNC Bank will not provide me with a copy of original terms and conditions of my HELOC. This written document shall serve as instrument.
Company Response:
State: CA
Zip: 93001
Submitted Via: Web
Date Sent: 2018-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-24
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My checking account was closed by PNC bank without my consent. After closure they never sent me a check of my remaining fund in the account and won't let me access the fund in the branch. I contacted XXXX XXXX in the retail escalation department phone number XXXX, whom said would help me follow up with the issue and whatnot. She never did, and everytime I call her it's straight to voicemail. Highly unprofessional. PNC is keeping my funds as interest free loan and I demand my fund sent to me immediately before I take legal actions.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-23
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Beginning in XX/XX/2018, after XXXX yrs paying my auto loan as agreed, the lender-PNC Bank began a pattern of not applying payments at all or excessively late. Note, prior payments were made as agreed. Further, PNC Bank then started harassing collection calls and letters. In response, I repeatedly called PNC Bank to reconcile my account and determine where payments were being applied. Each call was an repeated effort of revisiting every detail previously discussed without PNC accepting any ownership for remedy, other than, " will you send another payment. '' On or about XX/XX/18, as requested by PNC Bank I met with a bank branch representative. The Branch representative spent time calling customer service representatives to trace payments with the documentation I provided. Net result was only providing copies for their internal investigations, again without accepting any ownership for a remedy. This back and forth dialog became so difficult to manage that on XX/XX/2018, my other Banking institution ( XXXX XXXX ) who issues my " paper checks, '' issued a stop payment on XX/XX/2018 pay't, at their own expense and in good faith, because of the excessive delays. In addition, a payment was a assessed a {$40.00} late fee, which despite statements claiming to reverse the fee, appears on my account. By way of explanation, at various levels PNC Customer Service stated that a " processing system '' change which started in '18, might explain the issue. Another representative suggested an extra digit on the front end of our account might explain the problem. Still no one has suggested a fix other than to use " paper coupons '' that were NOT needed pre-2018. Making matter worse, PNC Bank has sent derogatory notices to the major credit reporting agencies suggesting serious delinquency.
Company Response:
State: PA
Zip: 189XX
Submitted Via: Web
Date Sent: 2018-07-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-24
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I believe this is a reprisal from another complaint I file with you concern PNC bank and was refunded only two payments taken from a closed account. complaint # XXXX on XX/XX/2018. Now I have to deal with this matter from PNC. I had a PNC credit card, which I paid in full and received a PNC letter of a XXXX balance, after paying this on XX/XX/2018 and just close my PNC bank account in early XX/XX/2018. I received a two months late payment notice on a closed credit card account. I called two different individuals and I was told that XX/XX/XXXX interest need to be paid for advance payment. I had stop using that credit card and PNC bank had from XX/XX/XXXX to XX/XX/2018 when I paid in full to include that interest. How can this be when I called for a pay off amount and then called back to pay it off two months later, meaning of {$48.00} should have been applied. Now, I am concern about late fees for two months and reporting to the Credit Bureaus. I believe PNC wants approximately {$90.00} from me. The PNC Letter I received stated the following : XX/XX/2018 As you requested, on XX/XX/2018 we closed your PNC Credit Card account. The following is current balance and payment information about your account. Current balance : {$0.00} Account balance on your last statement : {$4700.00} Amount of the last payment we received {$5600.00} Date last payment posted : XX/XX/2018.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2018-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-22
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: Around XX/XX/XXXX, my car was repossessed. I was involved in a car accident XX/XX/XXXX and I informed my lienholder and let them know that I was involved in a car accident and that I was injured in the accident. I ended up going through treatment over 2 months for treatment from my injuries sustained from the accident. The driver of the other vehicle hit me and my car lifted off the ground causing damage to the frame. My insurance attempted to work with the lienholder as well. On XX/XX/XXXX, I called my lienholder and asked them what did I need to get the car back so that insurance company could possibly total out my vehicle. The rep from PNC said not to pay anything yet until I got the letter in the mail from PNC. They also told me that the letter tells everything that I need to get the vehicle back and that the reason that I needed to wait on the letter is so that I will not expect to pay one amount and end up being higher than I thought. I also informed the rep about the insurance company and how the car may be a total loss due to the frame of the car. I spoke with a manager named XXXX as well who stated that the repossession team would work with XXXX in order to resolve the manner. I was advised by the repossession team that they would be working with my insurance company to resolve the issue. On XX/XX/XXXX, I received a phone call from my adjuster with XXXX who informed me that the tow yard and told refused to release the vehicle to XXXX to resolve the issue of the car being in the accident and that they needed to speak with me. So I called the tow yard and they informed me that they don't have permission to release the car until the XXXX and when I asked to whom. They said a company in Florida and I asked them why would they do that, they advised me the company was an auction. I asked for more information and they referred me to PNC. When I called PNC, they advised me that they had all of the information in the letter that they sent out to me via certified mail. I asked for the tracking number and then advised the PNC rep that I never received it and the package still stays in transit as of XX/XX/XXXX. I asked the rep did she check the tracking number and she said she didn't need to because she finds it hard to believe that I didn't receive something when they have a tracking number. I called corporate escalations on XX/XX/XXXX and spoke with a manager named XXXX XXXX for about an hour about the issue and she told me that she would work on getting me another letter and stopping the repossession 's auction process and get more information from the team and that she would call me back by the XXXX. I contacted my personal injury attorney as well and informed them of this and they advised me to follow up with her on that Wednesday if XXXX didn't call me. XXXX did not call me at all so I called her back and was told on the XXXX that she had not heard anything from the repo team and that she would follow up with me as soon as she did. In the meantime, XXXX had called several times about paying PNC for the car that was not in safe driving conditions ( which my lawyer also kept a record of the problems with the car ). On XX/XX/XXXX, I went to the tow yard to get my things out of the car. When I arrived at the tow yard, they told me that PNC had behaved in an unusual manner. They had not given the tow yard notice any information about the amount that was owed to release the car ( even after XXXX offered to help pay it ). They also advised me that the company ( PNC ) advised them to change the locks on the car and prepare it for auction on the third day of the tow yard having the vehicle. I found this out because I tried to hand the worker my keys and she told me that the lienholder had them to cut new keys for the car after the car being there for three days. PNC also interfered with XXXX 's investigation of declaring the vehicle as a total loss because XXXX tried getting the keys from me to investigate my car and PNC didn't tell anyone that they changed the locks and wouldn't give XXXX the option to properly inspect a vehicle that was not safe to drive. I took a XXXX to the tow yard. I was told that it was extremely unusual for a lienholder not to tell how much is owed on the vehicle and that most of the vehicles that are left there are not there longer than 3 days and PNC never told the company what was needed to release it. On XX/XX/XXXX, XXXX XXXX called and left me a voicemail at XXXXXXXX XXXX to call her back when I get her message or speak to someone in the escalations team. XXXX normally gets off at XXXX XXXX and the tow yard closes at XXXX, which means that the car already had been released to the auction. I have no idea how much is owed or anything like storage fees, etc. I called the escalations team and spoke with a manager who told me that on the XXXX that I had to have paid the past due balance by the XXXX to prevent the car from going to auction. I confronted the manager for not only releasing a dangerous vehicle to the auction but calling me after the car was released to the auction and not informing me ahead of time or working with me. I also confronted her for being fully aware at least since XX/XX/XXXX that I NEVER received another letter. I also had the company to update my address for me to receive mail which they did not do intentionally. Even the old address that they sent it to is a relative 's home address who would have informed me of the package not arriving yet. As of Friday, XX/XX/XXXX, I still have not received anything from PNC about what was owed on that vehicle. I also contacted lawyers who told me to first report them to consumer protection agencies and then we can proceed if necessary but to make sure that I reported it before the statute of limitations ran out. The lienholder was not only informed by me but the insurance company and refused to work with any of us about resolving the issue. They even reported it on my credit when the insurance company even told them that the car was possibly a total loss due to the injuries that I sustained from being the driver of that car in the accident. I reported this company to the Georgia Consumer Protection agency who informed me that this is not normal for PNC to do this especially since state law says that they must give me a written notice about a vehicle to not only give me a chance to get the car back but before they send it off to public auction. I didn't get any of that. Also on the XXXX, I asked the gentleman what would happen should I get the car back and he told me that PNC would open the account back as if the repossession never happened and start back where we left off but they closed the account. I have recordings of the woman calling me after the balance was supposed to be repaid, my insurance adjuster also has recordings of the calls and manager information letting them know what happened with the car and even trying to pay the company. I also have screenshots to go against the company as well. The company refused to send me another letter so that I could make the account current and before the repossession when I let them know that I was out of work for over 2 months on FMLA leave due to my injuries the company refused to negotiate with me to temporarily lower my payments until I finished paying. They even refused to take partial money. Not only was I injured in the same car, I had a passenger in the car that was also injured and they still sent it off to public auction knowing the dangers of the car. Not only am I now without the car and still injured from the accident, I am now responsible for something that I was denied my rights to and they did not make any effort to resolve this. Also when XXXX was supposed to call me back, her coworker informed me that I didn't prevent the car from going to auction by paying the balance on the XXXX and I informed her that I never knew how much was owed which is why XXXX was supposed to resolve this for me which is the purpose of her calling me back which she never did until the XXXX. I have had enough of this company and tried to resolve it with them but obviously, they feel that they do not have to not only respond to their customers but that they can do as they please and put people 's lives in danger. I will also be contacting the transportation bureaus to let them know that the company intentionally released a car to the public that not only were people injured in but did not resolve the issue or allow the insurance company to do what they needed to do to resolve the issue. I also have written documentation from my insurance company supporting the lack of effort of PNC to resolve the issue including them refusing to let me or the insurance company know what was needed to make the account current to have it released. The fact that they negatively influenced an insurance inspection is also beyond low. Also when I called multiple federal agencies on XX/XX/XXXX, they advised me to go online to submit a complaint and that I could later go and submit more documentation as needed. I have also attached the tracking number and the status of the letter that the company claims has the information on how to make my account current that I never received nor was it attempted to be delivered to me. They didn't email me either tell me how much it was either. No call. No nothing. Also according to the rep on the XXXX there was supposed to be a 5 day investigation and then I have 23 days to make the account current but don't do anything until I get my letter but since the company was working with the insurance company that I should just wait for the letter and take it from there. I'm tired of this keeping me up at night.
Company Response:
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2018-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/18 I deposited {$2000.00} as an opening deposit for a new PNC bank account. The money was deducted from my outside other bank account but was never placed in the new PNC account. After 3 weeks of talking to PNC agents they informed me the money was at first " lost '' and then later jumped to say it was sent back to my original count. One agent told me the money was sent to a " XXXX account '' and I do not even have an account with this provider. It is XXXX XXXX the money originated from. Thus proving they sent the money back to a wrong account not owned by myself. After weeks of waiting and conversing with my main bank account provider- they informed me it was never sent back. PNC will not cover this {$2000.00} that they lost and will not give me any help. They told me to do a charge back at my original bank and I believe this is wrong and completely unnecessary because the money was mishandled in the hands of PNC. PNC bank should be the ones to reimburse me the lost money.
Company Response:
State: OH
Zip: 43054
Submitted Via: Web
Date Sent: 2018-07-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have a secured credit card with PNC. PNC is doing what i have learned is called trailing interest. For two months i did not see any statements on paper or email from PNC, during that two month time frame after i payed my balances due on my account PNC added a XXXX interest charge to my card. I did not see this because i did not receive statements. I did check my mobile PNC app and it always showed a balance due of XXXX dollars by my due date. so i did not call and make any payment toward my account. i was not using my card at this time because i had a good credit score and was in the works of buying my first home. in this time over the two month span PNC had charged me a late fee for the interest they did not tell me about. and that was sent to the credit department ultimately dropping my score well enough to stop the closing on my new home just 6 days before the date of closing. When i learned what was happening i contacted PNC multiple times and spent hours pleading and arguing with many different supervisors for help. My mortgage lender ( XXXX XXXX XXXX ) said that at the very least PNC could write a letter stating that it was a mistake on their end and that it shouldn't have reflected on my score. PNC could even remove the late fee from my history so that my next statement would fix my score as well. So far i have spent my time talking with many PNC employees only for them to say sorry there is nothing we can do. they even tried blaming it on me saying that they monitor my app 24 7 and that they don't show any signs of it having issues. they did however ( days after charging me a late fee ) returned it back to my card and their answer over the phone was that they made a mistake and that's why it was refunded. Because of this happening it now seems that my current lease will be up. And that i will not be able to get my loan for the new home. PNC has made it clear that they don't plan to change anything and has tried to push it off onto the credit companies. These things happened XXXX and XX/XX/2018. and now we are into XX/XX/2018
Company Response:
State: IN
Zip: 46219
Submitted Via: Web
Date Sent: 2018-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Iam a PNC bank customer. Monday morning I went by my branch to check my account as I expected fairly large deposit from XXXX. I was going to use it to pay down my CC and transferred {$800.00} to pay down the card. But the bank misplaced ( or something ) my {$800.00} and it disappeared for several days.It magically reappeared on Friday during a meeting I was having at the bank, with the bank 's comment, '' 'Oh I do show an {$800.00} deposit on Thursday and it will clear tonight so the card can be used on Saturday, '' That's all well and good, but I was nowhere near a PNC branch on Thursday. How can a bank mysteriously lose {$800.00} deported in person with a teller? I will have to put on the big search for the receipt, and when I find it what action should I take?
Company Response:
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2018-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A