Date Received: 2018-07-06
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I filed a complaint against PNC this year and I still have not received an official response from them regarding my valid claim that I filed for unauthorized use of my debit card via my XXXX account by hackers in the XXXX. I received an official response from XXXX today XX/XX/2018 stating that 2 Credits from my claim were issued on XX/XX/2018 for $ XXXX and XX/XX/2018 for $ XXXX. Yet none of those credits are showing in my PNC checking account. Nor has PNC officials have addressed my current open complaint with the CFPB.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My mortgage was discharged in a chapter XXXX Bankruptcy.I have 2 specific issues 1-PNC sent collection letters after the discharge of the debt.I am attaching collection letters fromXX/XX/XXXX andXX/XX/XXXX ( pages marked 1 and 2 of attachment ) the .They are saying the payment is " past due '' and that they " may report information about this account to the credit bureaus '' they threaten that " this default may be reflected in your credit report.They have a right to enforce their security intrest and nothing more. '' They cant do any of this as the debt was discharged in Bankruptcy and they are violating the bankruptcy injunction and the Fair Debt Collection Practices Act repetitively. This also violated the CFPB directive on unfair and deceptive practices.Page 6 of the attachment section 209 CMR 18.16 number 5 states that '' the threat to take any action that can not legally be taken '' is a violation. They cant report this to the credit bureau, nor did they intend to but they did threaten to do it. 2-PNC sent an illegal cure notice. ( page 7 ) this default notice gives a 30 day notice and was sent regular mail.Each of these are in violation of Massachusetts General law.Please see page 3 and 4 outlining requirements for default notification for " certain mortgage loans '' and this loan having been an interest only loan for 10 years is a " certain mortgage loan '' The cure notice has to be 90 days from the default and cant be delivered regular mail. There are many, many more violations of the FDCPA by PNC, they are especially sloppy when it comes to dealing with bankruptcies in loss mitigationThey do what they want without regard to CFPB regulations or collection laws..
Company Response:
State: MA
Zip: 01801
Submitted Via: Web
Date Sent: 2018-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-05
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/2017, fraudulent charges were made using my card that was either lost or stolen, and paid by PNC Bank without being questioned. The fraudulent charges totaled {$790.00}. I reported the lost or stolen to PNC in a timely manner. PNC Bank refused to return the money. I have a attached a detail letter, with documentation.
Company Response:
State: OH
Zip: 43615
Submitted Via: Web
Date Sent: 2018-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Regarding complaint XXXX I requested you subpoena the internal email messages to PNC and NOT IMs. There were no IMs! They stole money from me- a significant amount! XXXX verified the charge was a mistake! Attorney advises those messages are available on their server! I want justice!
Company Response:
State: FL
Zip: 34667
Submitted Via: Web
Date Sent: 2018-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I submitted complaint # XXXX. I received an email on XX/XX/XXXX at XXXX stating that PNC responded and needed additional time. A second email came in at XXXX stating that a response had been received and the case was closed. No response from PNC was received only a copy of my complaint. Due to this error I am submitting another complaint for the same reason as the above case number. In a recent review of my account through Account History documents obtained during a Rule 120 hearing to foreclose on my home, I discovered that PNC have not been posting my payment to my account since XXXX. I had originally thought there was an issue with my escrow account, but then discovered there was an issue with my entire accountmortgage payments and escrow. Some of these payments were not posted, transferred to the suspense account and withdrawn from the suspense account as if they were never received. These payments were never posted to my account at any later date. Other payments were applied to the account, but they also were transferred to the suspense account and withdrawn as if they were never received. This transferring to the suspense account also happened to credits. Other credits ( i.e. overpayments ) were kept and never placed in the suspense account or applied to my principal since the beginning of the loan in XXXX. These transfers to the suspense account is not recorded on the monthly statement in the transaction activity section or in the Yearly Month to Date. If one was to review the monthly statement, I would never show any money was not being applied to my account. I have also been charge late fees, when my account was current, even paid month or two in advance. If all of these STOLEN monthly payments were applied to my account, I would not owe another payment until XXXX. My escrow has been deficient by PNCs doing. In XX/XX/XXXX, after all of the modification payments had been applied to my account, PNC then withdrew {$830.00} from my escrow account with any explanation. Then on XX/XX/XXXX, PNC advanced themselves {$770.00}, stating there was an escrow shortage. They then refunded back to themselves each month until it was paid. At the same time I inquired regarding the shortage. I then received a letter from PNC dated XX/XX/XXXX, that another {$660.00} was being spread over 60 months for the same shortage that the {$770.00} was taken. Every year, sometime 2-3 times, this cycle of taking the lump sum each moth AND taking the shortage of the entire escrow account not the taxes and fees ( nothing is being put into the escrow as everything dime is taken out each month ) is spread over an amount of time. Both of these deficiency repayments are taking place at the same time as the mortgage payments. ALL of these issues were brought up in the court hearing with PNC attorney, but since it was outside of the scope of the Rule 120 and the Judge authorized sale on my home for XX/XX/XXXX. This has now been changed to XX/XX/XXXX. Also, in the hearing held on XX/XX/XXXX and XXXX, PNC representative stated that she did not know what happened to my payments.
Company Response:
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The problem is that PNCBANK has unilaterally changed the monthly principal and interest amount due on this home equity installment loan. I closed on this loan on XX/XX/XXXX. PNC prepared a Closing Disclosure Form, which is a statement of final loan terms and closing costs. In the section titled Loan Terms, the monthly principal and interest due is {$470.00}. This is a fixed amount. I recently received an Account Statement for period ending XX/XX/XXXX, which identifies the next payment amount due by XX/XX/XXXX. The amount has changed to {$410.00}. I called customer service on XX/XX/XXXX and they could not provide an answer why the amount changed from {$470.00} to {$410.00}. I have 2 concerns, 1 ) What right does PNC have to change the loan terms on an existing loan? 2 ) If I pay the {$410.00} and not the {$470.00} will it affect my credit score? In effect I would be paying an amount lower than that identified within the Final Loan Terms.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX and XX/XX/XXXX, I transferred a total of {$2000.00} through XXXX that is backed by my bank, PNC bank. It turned out that it was a scam and when I went to PNC Bank to report the fraudulent transaction, they told me that there was virtually nothing the bank can do and for that matter, XXXX as well because it was a peer to peer transaction. However, I believe this to be an unfair practice because the website for each entitty, does a poor job in disclosing what type of fraud transactions it will protect and not protect. The one thing each entity does well is make a consumer feel that their transactions are very secure since they are backed by the bank ( s ). At some point, the banks need to be held accountable for this unfair and deceptive way of advertsing in this virtual world of financial transactions. XXXX should be investigated and be held accountable as well cause they have a weak security system, making it very easy for scammers to steal money from victims.
Company Response:
State: FL
Zip: 33060
Submitted Via: Web
Date Sent: 2018-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-05
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I went to PNC Bank in XXXX, IL and asked about exchanging US dollars to XXXXXXXX XXXX. A PNC employee who helped me, XXXX XXXX, said there were no fees or other charges and that the exchange rate would be the normal daily rate. They did not know how to do the exchange so they took my name and phone number and told me they would call me when they found out. I got a phone call saying they were able to complete the exchange and had taken out {$250.00}. When I asked what the exchange rate was they said they didn't know but again they said it was be the accurate rate for that date, XX/XX/XXXX, and there were no fees. I picked up the money at the bank and my receipt said they took out {$240.00} and I got XXXX XXXX XXXX, which is a rate of 0.313372. The receipt said there were no fees charged. But on XX/XX/XXXX, the actual exchange rate was 0.289160. I called and asked about this issue. An escalation specialist, XXXX XXXX, said she would look into it and call me back within 3-5 business days. I called her back two weeks later because she never called me back. She said she had forgotten about my case but that there were added fees when you purchase and exchange money. I talked to a second escalation specialist, XXXX ( ext XXXX ), who said that it sounds like they gave me the wrong exchange rate and I should be refunded {$21.00}. She said she was going to call the bank to figure out the exchange rate process and call me back after. But she also never called me back. I called back again and got a third escalation specialist who said she would looking at it and would contact the second escalation specialist but I never got a response from her either.
Company Response:
State: IL
Zip: 60202
Submitted Via: Web
Date Sent: 2018-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-04
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: This is a problem caused by PNC bank taking one transaction that caused an overdraft to turning it into eight transactions that caused overdrafts, and doubling the amount of over drafts to maximize fees. This is also a problem with transactions disappearing and reappearing at will and dates of transactions being changed to maximize fees. First I will admit I knowingly and willingly over drafted my account with PNC bank with a transaction of XXXX dollars at XXXX XXXX XXXX that ended up putting my account XXXX dollars in the hole. Now although at the time my mobile app said I had XXXX dollars and change in the bank I knew this not to be true because like a said some transactions had just magically disappeared from their system. PNC blames these magical diappearances on the company they where made with not communicating within a timely fashion with them but I know normally and with and other financial institution on the planet a company has seven days to justify a charge before it disappears. PNC has many scripted excuse for this issue but bottom line it is a problem with their system, they know it and they refuse to fix it because it maximizes fees and allows them to backdate transactions. But back to this transaction I knew I would be over drafting my account by XXXX dollars plus a XXXX dollar overdraft fee totaling to XXXX dollar negative balance in my account. I knew I had the money in another account but I didn't have access to that account at this moment so I would do this put XXXX dollars in the bank on XX/XX/2018 and all would be well. well it was not on XX/XX/2018 I looked at my PNC app and not only one over draft fee but for and the funny thing was my account wasn't overdraft till the first fee hit. Before the first fee, and yes the transactions that had magically disappeared over they weekend had know just as magically reappeared, I had XXXX dollars in my account and when the first of FOUR XXXX dollar overdraft fees hit my account was XXXX dollars. Wrong, I knew immediately what had happened because I just went through this whole process a couple of months ago PNC had redated and backed dated and changed transactions around. Now we go to what I have done to resolve this situation. I called PNC banks customer service number where I talked to Mr. XXXX XXXX. I explained to Mr. XXXX the situation and that I would like to file I complaint. The reason I was filing the complaint was because since I had JUST DEALT WITH THIS same issue a couple of months ago I knew there was nothing he could do about the situation at his level and there was no reason to waste both of our time. During the complaint process I informed Mr. XXXX that I was at work and I would not be home till after XXXX and to call after that time. Mr. XXXX provided me with my complaint number which is XXXX. At XXXX I received a call from XXXX XXXX that went to voicemail because I was at work and she requested at my as soon as could to resolve my complaint. Now remember in my complaint I requested to be called after XXXX because I was at work. I am sure this call was made in hopes of me answering the phone to catch me in a hurried and unprepared state due to how PNC operates. The call of course went to voicemail and after work when I checked my voicemail is when I got that message. I proceeded to get back home an call the number Ms. XXXX which is XXXX. The call was answered by XXXX XXXX and I told her I was returning a call from XXXX XXXX and I would like to speak to Ms. XXXX. Ms. XXXX said that Ms.XXXX was out of the office but she could help me so we proceeded to discuss my complaint. XXXX XXXX than informed me after looking at my account that PNC can only due four over draft fees per day and I had four more overdraft fees coming for a total of EIGHT OVER DRAFT FEES. I told her there is only one transactions that caused the overdraft and there is no way that is caused eight over draft fees. She said that there where seven transactions that have caused XXXX dollars in overdrafts and that was not counting the evans transaction. She even asked me if I would like the order of the transaction at which time I told her I knew the order because I was looking at it on my records. Now of course nothing will match thanks to PNCs magical disappearing and reappearing system. The back and forth continued and became heated. At one point Ms.XXXX asked what I wanted and I told her I wanted all overdraft fees refunded. She said they where justified and that wasn't an option and I told her she was wrong and she knew it and that I would be taking it to a the next level in which she said she was the highest level in the bank and that no one would tell me any different and I told her I meant I would fileacomplaint with the consumer protection bureau and the fdic and anyone else who would listen. She again told me she was the highest level and I said fine I am going outside the bank and the call ended. This is the second time I am dealing with this issue.
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2018-07-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-04
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I bank with PNC on XX/XX/2018 I was charged two XXXX overdraft fees on XX/XX/2018 I was charged another XXXX on XX/XX/2018 I was charged another XXXX along with another XXXX and on XX/XX/XXXX I was charged again XXXX. I tried calling to get the fees waived because I have a automatic saving account that takes money out of my account and puts it in a outside saving account. Multiple times I put the money back in the account but it takes 3 business to get the money back in the account. The money that was being taking out was XXXX dollars now I have a negative balance of XXXX because of a total of XXXX dollar insufficient funds. I believe that is totally uncalled for how does XXXX dollars get you a negative balance of XXXX.
Company Response:
State: GA
Zip: 30252
Submitted Via: Web
Date Sent: 2018-07-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A