Date Received: 2018-06-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: So I have overdraft fees accrued in the total of XXXX us currency, based on another account holder who was once on my account, this account holder has their own account seperate from my account, and the charges were accrued in that account holders name my name or social is not linked to his account, and he accrued the fees on his own seperate account and the bank took all the fees and overdrafts from my account, I need them to replace my funds it was not authorized or legally acceptable. this bank is trying to hold me accountable for someone who has frauded their account that I have nothing to do with, and now they're telling me I have to close my account to rectify the situation and that is the only way he can come off of my account, and that information was not provided to me over 6 months ago when he was removed from my account, because they were sending my direct deposit info to his email, and I had to call them about that also, Now they have debited my account based on his fraud.
Company Response:
State: NJ
Zip: 08046
Submitted Via: Web
Date Sent: 2018-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-15
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I would like to describe a clear violation of UDAAP perpetrated by PNC Bank against me and most likely many other consumers by PNC not properly or accurately disclosing the actual process and delays in crediting accounts for an internal PNC account to account funds transfer ( causing significant financial penalty fees - " Overdraft '' to my account ). I recently arranged ( XX/XX/XXXX ) to transfer {$400.00} from one PNC checking account to a PNC Line of Credit Account which covers another PNC cheeking account to ensure I would not overdraw the account. The PNC Bank - Online Banking site clearly discloses a " 1-day delay '' to process the transfer which would have meant the credit to my line of credit account would be made by XX/XX/XXXX ( which in fact it was ) and in time to cover my account against any shortfall. The problem is that PNC did not make such funds available in my Line of Credit account which caused my personal checking to overdraw and to-date incur over {$200.00} in overdraft fees - nice scam if you can get away with it, In speaking to representatives of PNC Bank, they noted they could not assist me with returning my overdraft fees since it was not bank error and they noted the delays in crediting my Line of Credit account would have been disclosed to me in account opening agreements that were provided to me several years ago. This is where the UDAAP violation appears to be. The proper place for disclosing delays in crediting ones account should be on the Online Banking transfer page and not buried in the " mice-print '' of a document provided years prior. This incorrect and misleading disclosure of the " 1-day delay '' on the Online Banking transfer page would cause any reasonable consumer to believe that monies that they are transferring from one PNC account to another PNC account would also be available in the receiving account pursuant to the " 1-day delay '' as disclosed. I am asking the CFPB to investigate this practice and require PNC Bank to provide restitution to any and all clients that have been adversely impacted by PNC 's flagrant violation of what anyone reasonable consumer would consider unfair, deceptive and abusive. I am also asking that PNC Bank correct its Online Banking site to provide accurate and meaningful disclosures about the timing and delays associated with internal PNC Bank funds transfers to inform clients and prevent predatory actions and fees from being assessed. Finally, I am asking that PNC Bank refund any and all overdraft fees related to this recent clear UDAAP violation to me as soon and their investigation is completed and confirm such in their formal response to the CFPB.
Company Response:
State: NC
Zip: 27539
Submitted Via: Web
Date Sent: 2018-06-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-14
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX i opened an account with pnc bank. PNC initiated an ACH for XXXX to fund the account. The money was pulled from my bank account with XXXX but never ended up in my pnc account. I contacted PNC multiple times and they have not been able to give me an answer on where the money went. They said that they recieved the momey then transfered it back to my XXXX account via ach and gave me a trace number. They also told me on my next call that they never recieved the money. Its XX/XX/XXXX and they still have not been able to find out where the momey went.
Company Response:
State: CA
Zip: 94513
Submitted Via: Web
Date Sent: 2018-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XX/XX/XXXX we received a notice from PNC mortgage that our payment was increasing from {$650.00} per month to {$1200.00} per month. We immediately called the bank and let them know that we could not afford the increase. The bank was not willing to help since the property had been a rental property for longer than 2 years. In XX/XX/XXXX we received XXXX XXXX military XXXX XXXX XXXX orders to Virginia with a report date of XX/XX/XXXX. My spouse was in a year-long XXXX contract and could not relocate to Virginia until XX/XX/XXXX. We stopped paying the mortgage in XX/XX/XXXX in anticipation of paying for 2 households. InXX/XX/XXXX our real estate agent found a cash buyer who offered {$200000.00}. We quickly started a short sale application. During the application process PNC informed us of a foreclosure date of XX/XX/XXXX and that we would need to close escrow 37 days prior to that. The bank continuously asked for out of cycle bank statements which we couldnt not provide, then canceled the short sale as we fell within 37 days of foreclosure. From XX/XX/XXXX through XX/XX/XXXX, PNC continued to postpone foreclosure every 30 days. This prevented attempts to apply for another short sale. They changed the locks which kept our real estate agent from showing the property. Many failed attempts were made to contact the bank and discuss why they werent foreclosing. In XX/XX/XXXX our real estate agent found another cash buyer with a {$200000.00} offer. He was able to convince the bank to postpone foreclosure long enough to apply for another short sale and provide him with keys so the buyer could see the property. This time the application made it to the investors review group. They took close to 30 days to review the application and sale contract. The sale contract was then rejected because the buyers notary placed a stamp over the last 3 letters of my last name ( it was still completely legible ). By the time we were notified to resubmit the sale contract, we fell within the 37 day foreclosure window and the application was closed. We received a letter 1 month later stating that we reached the maximum attempts for a short sale and that no more applications would be accepted. Nobody at PNC could tell us how long we had to wait to apply for another short sale. In XX/XX/XXXX the buyer returned with the same {$200000.00} cash offer. Our real estate agent convinced the bank to postpone foreclosure long enough for the short sale application process once again. This time everything went smooth and PNC approved the short sale, postponing foreclosure indefinitely. Then it went south again ; though PNC had obtained one appraisal for {$200000.00} they ordered a Broker Price Opinion which came in at {$230000.00}. Then they insisted on a {$230000.00} sale price which is way over the market value for the condition the home is in. Our buyer rejected PNCs counter offer and canceled the sale 4 days from closing. The bank refuses to sale the house for anything less than {$230000.00}. We XXXX from the XXXX in XX/XX/XXXX and were almost left homeless because of this ordeal. PNC had reported that we were in foreclosure to the credit bureaus and our applications to rent a home were denied. We were lucky to find co-signers. The bank will not offer any solutions and our real estate agent of 10 years has terminated his services due to extreme frustration.
Company Response:
State: TX
Zip: 76244
Submitted Via: Web
Date Sent: 2018-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/2015 I started inquiring about home loans through PNC Mortgage Company. The process took about 8 months and during this time my credit was pulled many times without my consent. I was giving verbal updates about stalling and needing continuation but never any updates about them needing to repull my credit over and over nor was I aware this was happening until I looked at the many inquires on my credit file. My credit prior to seeking this loan was at nearly an 800 and after I completed my Home loan my score was around 590 to 615. I suffered financially because my loan was not completed in time and I had to endure expensive month to month costs since I was out of my contract in my apartment. all in all this company was not able to complete my file because the location that I was working with had shut down and they had to transfer me to somebody out of state. I was not given a reason as to why they were shut down but I can only assume that their practices were unethical and that might have had something to do with their being shut down. It was a major inconvenience that i was transferred to another person in another state Named XXXX XXXX. So I mentioned to her all of my credit inquiries and financial burdens I had to endure and the major inconvenience it caused me -time and hours out of my day to sort through all of the issues I had with a PNC Mortgage Company . so to attempt to resolve the issue she refunded me my appraisal costs but I never heard anything back about financial compensation in regards to me having to pay out of pocket month-to-month at my apartment being out of my housing contract. XXXX XXXX was the lady who was working my loan originally and she told me I was to have my house keys on a projected day, and when I called about getting my house keys another lady said that she had never even completed my pre-approval but I had received pre-approval letters and had them on file so upon complaining to another loan office named XXXX XXXX I had only got my appraisal finances refunded and that is the only thing that was settled in regards to my complaint with the company. I am writing this complaint since it has taken me 3 years to repair my credit since this issue has happened, I personally feel that I am I entitled to financial compensation. Not only did my loan with PNC Mortgage never get completed but I had to change to another lender and they opened and closed my file and completed my mortgage within one month. Upon looking at refinancing my home I found out that I am able to put a complaint on file and potentially resolve this issue that has personally scarred my experience with any home loan companies regarding credit scores. I have missed out on many opportunities to use credit because the damage that was done from PNC Mortgage. Below is the office and representative who mistreaded my file for future references. XXXX XXXX Mortgage Loan Officer PNC Mortgage, a Division of PNC Bank, NA NMLS # XXXX The PNC Financial Services Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, WA XXXX XXXX Office
Company Response:
State: WA
Zip: 98338
Submitted Via: Web
Date Sent: 2018-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-14
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: PNC Bank is able to do lots of things for customers in real time. I can make a cash deposit or withdrawal and my account balance changes instantly. I can transfer funds and the account balances are updated instantly. Oddly, the one thing the bank can not do is to notify customers when accounts are overdrawn. Now why is this? Could it be because fees account for half of PNC 's income? The bank pays items on one day, sees that an account is overdrawn and waits until shortly after XXXX to notify a customer the account is overdrawn. They'll call this overnight processing. Somehow, they can notify me in real time during overnight processing. PNC and other banks used to do to re-order items to pay from largest to smallest, knowing that by doing this instead of paying chronologically, they could assess more fees. Fortunately CFPB took this of this practice and I am describing one more area where I hope you will work on behalf of consumers.
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2018-06-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: I paid {$300.00} via XXXX for XXXX concert tickets. This was my first ever XXXX transaction. The seller never s not them and disappeared. I tried to do a stop payment right away with PNC, but you cant with XXXX. I filed a dispute, and although they acknowledge the scam, they say that because I authorized the transaction that its not considered fraudulent. What protections is PNC offering? How are they not investigating this rampant abuse, as Ive come to learn. Why is nothing being done about my {$300.00}, and more importantly, stopping this XXXX XXXX ( XXXX ), and others like him, from continuing to do this?
Company Response:
State: GA
Zip: 30189
Submitted Via: Web
Date Sent: 2018-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My complaint is with PNC Bank. I've had a HELOC with them since XX/XX/XXXX and banked with them since XX/XX/XXXX. My concern start in XX/XX/XXXX, when they implemented a " new '' system. Since inception of the HELOC, I've had autopay and periodically submitted additional " Additional Principal '' payments, without problem. XX/XX/XXXX, a normal payment of {$560.00} was recorded with {$330.00} going to principal and the balance going to principal. And on XX/XX/XXXX I sublated an online additional principal payment of {$5000.00}. A couple of days later and saw my additional principal {$5000.00} was broken up into a {$560.00} payment and {$4400.00} additional principal payment. So, I called PNC Bank and asked the loan servicing department to fix this situation. I was forwarded to a dispute resolution department and they told me the new system had problems and they would fix my loan. XX/XX/XXXX, no autopay was deducted and I called to make sure they took the payment. I told them that there was plenty of money in my checking account and they should fix this so I wasn't charged late fees or wreck my credit. They said OK and would have things fixed soon. During XX/XX/XXXX, I called several times and even went to my local branch to have this problem fixed, but it wasn't. My local branch was cooperative and understood my concerns. They even called ( on my behalf ) and emailed the Customer Resolution dept. Also, during XX/XX/XXXX I started receiving calls from the PNC Loan Department stating that they wanted to collect on my delinquent loan account. I spoke with a supervisor and he said he make a note about my situation and I wouldn't get any more calls, but I did. On XX/XX/XXXX it looks like PNC credited my loan with the XXXX to " other '', not principal or interest. And what happened to the other {$560.00}? I was told it's still in work. XX/XX/XXXX my account was credited with a {$560.00} payment but the principal was only {$130.00} and the rest to interest. I called again and told that payment was being backdated to XX/XX/XXXX. So, I said if that's the case the principal and interest needed to be fixed to accurately reflect. I was told it would be fixed but, to date it hasn't. Additionally, on XX/XX/XXXX the took a payment of {$530.00} with {$290.00} going to principal and the rest going to interest. I thought I may be on my way to becoming whole, but on XX/XX/XXXX {$570.00} was auto paid to " other '' and not Principal or Interest. My local branch has been cooperative and they've requested a daily accounting of my loan info from XX/XX/XXXX to present. This is the only way to ensure I'm being credited for payments. Additionally, during conversations with the " Resolution '' office/department, I was informed that in the future ; " if I want to make additional principal payments, I have to make them at the local branch and they have to be submitted on the date that they deduct/credit my autopay. '' " This is the new system. ''
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, I was trying a purchase a handbag on an application " XXXX '' which is XXXX $ .We contact by mobile texting. The seller said in order to waive the selling fee of XXXX, she suggest me to send her money through XXXX, so the price will be cheaper, which will be XXXX . I pay her XXXX $ on XXXX as reserved fee and begin send her money via XXXX of my bank - PNC. I send her XXXX $ total in two days ( XXXX $ on XX/XX/XXXX and XXXX $ + XXXX $ on XX/XX/XXXX ) via XXXX and XXXX $ via XXXX ( on XX/XX/XXXX ). After I finished all my transactions, She begin to claim that she never receive that XXXX $ fund. But after I called customer service, the agent said it is already completed. What made me find out she is a scammer and I start to file disputes and make police report. The XXXX $ reserved fee is covered by XXXX and that XXXX $ through XXXX charged back via dispute successfully. But neither police, PNC, or XXXX willing to help on that XXXX $ transaction. My bank denied those 3 disputes without asking further documentation and police said they can't file a out-of-state criminal charge. That scammer is still selling bags on XXXX. I tried to contact her to send me XXXX $ back and she said she will do it but til now, I still get noting. I do have few more screen shot of our whole texting, but it's too large to be upload. So I choice 3 pictures of transactions and a business card of the police including the report #.
Company Response:
State: MI
Zip: 48858
Submitted Via: Web
Date Sent: 2018-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a savings account with PNC Bank. The bank gave me the option to fund the new account with a credit card and so I did. {$1900.00} was charged to my card and made it to the account on XX/XX/2018. A " cyberfraud '' security freeze was put on the account soon after. Now I can not move or withdraw the {$1900.00}. I call PNC to resolve the issue and they say that the only way I can have the account unfrozen is by going to a PNC branch for ID verification. PNC Bank does not operate in my state, California. I am not going to book a round-trip flight to a PNC location to get my identity verified. PNC should not have allowed me, a citizen of California, to open the account to begin with, if it requires flying to the east coast to verify ID.
Company Response:
State: CA
Zip: 95050
Submitted Via: Web
Date Sent: 2018-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A