Date Received: 2023-07-17
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: PNC Bank 's mortgage department has been operating out of compliance. They have repeatedly violated multiple mortgage guidelines as well as Equal Opportunity Lending requirements. Underwriters are not trained to know federal mortgage guidelines. Instead, they are only required to know the internal guidelines which aren't even followed correctly by every Underwriter. The internal guidelines aren't accurate to federal guidelines either. Files have been decisioned incorrectly and the same steps and requirements are not followed by all Underwriters. Underwriting management have also failed to abide by the companies own guidelines discriminating against files based on who the Mortgage Loan Officer is. Multiple files have been delayed due to the lack of regulations knowledge and competency by Underwriting. Not all Underwriters follow the policy guidelines correctly which is a violation of Equal Opportunity Lending. Files have sat dormant in Underwriting for over 30 days due to illogical company policies. If PNC Underwriters were tested on federal guidelines, they would fail. Underwriting Management needs to be removed and replaced. Every file should be reviewed and decisioned according to policy regardless of the Underwriter 's mood or who they are or are not getting along with internally. I have experienced Underwriters refusing to clear files for no valid reason or condition, causing unnecessary delays and in some cases, additional cost or financial loss to the client.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/XXXX, I contacted my bank customer service rep through my online banking messaging center. I inquired about getting several over draft fees waived that totals an amount of {$210.00}. I only receive one SSA check on the 3rd each month. I have previously had to request a refund for overdraft fees a few months ago as well and was granted, but this time I was not granted. I understand that I have overdrafted my account, but I also get charged excessive fees every week that my account is in overdraft because I never have additional funds to deposit due to being stuck on one monthly SSA check. My check gets deposited every month and it covers the full overdraft amount plus the excessive fees they charged on my account which puts it even more into overdraft. I barely ever have funds left over after my check pays for the full amount. The rep I messaged told me that I am not eligible, and that my account will be closed and charged off if I dont make a deposit. I let the rep know that it will be impossible to make a deposit as I dont have any additional funds to deposit until my next SSA check deposits into the account on the 3rd, and explained that if my account can get credited for the {$210.00} in overdraft fees, then my account will be back in the positive and would not need to be closed and charged off. The rep then said that she will forward it to a manager for further review and I will receive a call within 24 to 48 hours. I can not receive any calls right now due to not having enough funds to pay my cell phone bill after paying rent plus paying excessive overdraft fees out of my check. This should be illegal for people who only receives one small check every month. I received a message today, XX/XX/XXXX, from a case XXXX named XXXX XXXX from retail support saying that they have tried to call but was not able to reach me. Well I explained to customer service rep that my phoe service is off and will not be back on until XXXX XXXX when I receive my next check. I will not be able to contact anyone until then. In the meantime, all I ask is to refund the excessive fees back into my account.
Company Response:
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: We closed on a home equity loan. When we went to activate the loan and get a check for the closing on a property we told the teller that we wanted to lock in a fixed rate. She gave us the rates that day and we selected 20 years fixed. The check was issued and sent. We thought we were done. The first few months the bills came and were what we expected. The next month the amount went up. I asked the bank about it and she said you must have read the wrong line and over paid. The next month the mortgage payment was way higher. I went in to the bank. She looked up the loan and she said you have an adjustable rate. I said youre wrong I told them it is a fixed rate. The manager looked up paperwork and said I didnt sign papers with the teller so I have an adjustable rate. I said the teller did not give me papers to sign. The manager then my issue in to the complaint office. When the corporate people called me they said the teller could not give me papers to sign because the check had to clear first. Corporate said the bank should have told me to come back in 3-5 days after the check cleared and at that time the manager should have given me the papers to sign. I went back to the bank and told the manager what corporate had said. She replied that No One Ever Told Her That. I asked how do we fix it now. She said we could lock in a new rate that day but it would take 2.5 months to activate. So now we are paying a rate that is going into effect next month and we have already paid thousands more than we should have and will continue pay thousands more over the course of the loan. How can the people of the local bank not be trained properly to close a home equity loan or do they do it on purpose to make more money????
Company Response:
State: FL
Zip: 32034
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My checking account in good standing for 38 years was closed by my bank on XX/XX/23 and I was told they are not required to state their reasons for their action. I have been waiting for the bank checks totaling {$29000.00} to be delivered to me and I am suffering financial hardship as a result. I have never received a letter warning me of their intention to close out my accounts. Although I was promised a copy of the original letter.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: P and C Bank is showing that I was late on my payments the last of which was in 2020.
Company Response:
State: FL
Zip: 34711
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I am an American with a XXXX and a XXXX. I have repeatedly told PNC that I have health issues that prevent me from online banking. I have also other XXXX. Despite this PNC continues to charge me for a banking statement. Without me even trying to access the voice banking I was notified my voice access was suspended. I am not able to go to a bank due to my health issues. A fee of XXXX USD with withdrawn. I need to receive paper statements as a XXXX person without having to pay for it under the ADA
Company Response:
State: FL
Zip: 33764
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: We applied and were approved for COVID forbearance. PNC bank has acknowledged this. PNC has since reported those payments as late. You will see that the payments listed as late occurred during the peak of COVID and before and afterward our payment history has been perfect. PNC continues to refuse to reported updated credit information to the credit bureaus and as a result continues to damage our credit numbers. This complaint applies not only to my credit report but to my wife 's. PNC 's failure to address this after two years, is unacceptable. I have called and written several times. My wife has submitted online complaints/disputes both at the creditor and the credit bureau . To date, these payments are still reported as late. We ask that the government require the creditor to remove any mention of late payments as well as any other derogatory reporting. Thank you
Company Response:
State: NH
Zip: 03820
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX around XXXX XXXX I went to the bank to make a deposit of {$2000.00}. The ATM says it takes up to XXXX pills I had all XXXX and it was XXXX bills. I put my money in the ATM and first it read that it wasn't able to deposit all bills so when I read it I it open back up and I tried to get my money but then it closed. After it close I was like okay it's count my money because I heard it shuffling around when it was complete with counting the money, something came up that said it was not able to complete the transaction but it didn't get my money back. I put my car back into the slot to check my deposit and there was no {$2000.00} that I just put in the machine. I immediately call the bank to get it fixed. They really no help and sadly it was Friday and now I have to wait until Monday. Very inconvenient, I think the bank should be open 7 days a week because now the bank robbed me and I have to wait to see if I'm even going to get my money back. That is a large lump sum of money that I can't afford to get away.
Company Response:
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I'd previously asked PNC to contact me by email or, only to call before XXXX or after XXXX. This was requested several weeks ago, XX/XX/XXXX, on a recorded line, when I received a call in the middle of a work meeting. I was advised not to take personal calls during work hours unless it is from one of the stores or is an emergency. On XX/XX/XXXX, same time, during a work meeting, I received another call from PNC during a meeting. I was then reminded of the XX/XX/XXXX admonishment and sent home, suspended. I communicated this to XXXX XXXX, XXXX XXXX, XXXX XXXX ( XXXX ) on XX/XX/2023 via email at XXXX. On XX/XX/2023 I again received a phone call from PNC bank representative by the name of XXXX XXXX. In summary, I have received repeated phone calls from PNC after I've asked them not to on multiple occasions which has resulted in loss of income due to work suspension. This is clearly harassment, a violation of the FDCPA ; and, it needs to stop!
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened PNC virtual wallet performance select account on XX/XX/XXXX, and it was advertised saying to have direct deposit for {$5000.00} and get {$400.00} bonus, the bonus should credit to account no late than 90 days. however, it's already over 90 days, I did not receive the {$400.00} bonus as they promoted, and I tried to contact PNC to resolve this issue, the agent on the phone was verified I have completed the {$5000.00} direct deposit requirement, and then she created case # : XXXX and ask me to call back few days after to check the status. I called today, and they say I'm not qualify, but today I call PNC to check the status, the agent told me the case was resolved yesterday, and saying I'm not qualify this offer so they did not credit the bonus, because I received bonus on XX/XX/XXXX, it's not 24 months yet. But this is not true, I was having XXXX account during that time, and the bonus was from XXXX, but in XXXX XXXX merged into PNC in XXXX half of XXXX, so it looks like PNC also take XXXX welcome bonus offer and transactions after XXXX merge into PNC, however, I actually signed up XXXX account and get the bonus from XXXX before these two company merge, so I actually did not get bonus from PNC during that time. so I should qualify the bonus since I did not receive PNC account bonus more than 24 months, and in their terms did not mention say customer who receive bonus from XXXX also included in the 24 months period.
Company Response:
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A