Date Received: 2018-05-23
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Some one from my PNC business checking account initiated ACH transaction for XXXX for six days and transferred more than {$30000.00} from my business account. Company who took out the money : XXXX XXXX XXXX XXXX XXXX named some company originated these translations. On XX/XX/XXXX -- - {$5000.00} On XX/XX/XXXX -- {$5000.00} on XX/XX/XXXX -- {$5000.00} On XX/XX/XXXX -- {$5000.00} On XX/XX/XXXX -- {$5000.00} On XX/XX/XXXX -- {$5000.00} Total : {$30000.00} was taken out from our PNC Bank account without our permission. When ACH transaction initiated we weren't aware and there was no permission given to the company PNC bank even didn't care to check the permission or never called us to get permission to authorize these transactions. When we checked our statement on XX/XX/XXXX thats when we came to know about these Fraud Transactions. We notify bank immediately and their answer was in order to stop these transactions we need to notify them in 24 hours and they can give money as ACH if the person knows our account number and routing number. Bank 's response was very casual and said all they can do is submit this to their fraud prevention department and nothing else they can do about our money getting back. We weren't even offered for temporary funds in order to operate our account.
Company Response:
State: OH
Zip: 44212
Submitted Via: Web
Date Sent: 2018-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-23
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I had a conventional mortgager with XXXX XXXX XXXX, which was purchased by PNC Bank. I had submitted information as part of a class action, whereas XXXX XXXX XXXX charged minorities higher interest rates.
Company Response:
State: TX
Zip: 75070
Submitted Via: Web
Date Sent: 2018-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: At the beginning of XX/XX/XXXX I called PNC to request an appraisal of my property with a purpose of removing mortgage insurance. Talk to them over the phone, got an official letter with a price for appraisal of {$590.00}. In the letter it said that I will be contacted by appraiser as soon as they receive funds. I send a check next day. Haven't heard from them. Check has been cashed but no phone call. I contacted PNC to find out whats going on. Over the phone a rep told me that they work only with one appraisal company ( which is not true ) and this company charges {$1000.00} for the service, so if I would like to proceed I need to send them an additional {$420.00}. Which I did. Appraiser came in about 2 weeks later, look at the house and was very satisfied with everything. At the same time house next to me ( an identical copy ) just got sold for {$370000.00}. In XX/XX/XXXX I got a letter from PNC saying that the appraised value of my house is {$350000.00} which bring my loan-to-value ratio to 76.57 %. The appraised value needed to come in at {$360000.00} to bring LTV to 75 %. They were asking me to send them a check for {$5500.00} to bring LTV to 75 %. Which of course I didn't. I've been trying to get an actual appraisal report from PNC for 6 month. Finally after another attempt around XX/XX/XXXX, it has been sent to me in XX/XX/XXXX. The comps that this appraiser used are completely wrong. Majority of houses that he looked at were 3 bedroom houses where mine is a 4 bedroom, also most of them don't have a backyard, mine has a good side yard all made up to perfection. The Zestimate on my house is {$400000.00}.
Company Response:
State: OR
Zip: 97224
Submitted Via: Web
Date Sent: 2018-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: PNC Bank fraudulently and through racial discrimination gave me a mortgage loan that was higher in interest than what was charged to a similarly situated white male. I was charged excessively for an 80/20 loan. They still continue to harass with calls.
Company Response:
State: NC
Zip: 28451
Submitted Via: Web
Date Sent: 2018-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-17
Issue: Fraud or scam
Subissue:
Consumer Complaint: I paid for concert tickets via the XXXX app and was scammed. I never received my tickets and attempted to cancel my transaction through XXXX as well as through my bank, PNC, but both have claimed they are unable to do anything at all. PNC will not let me dispute the charge. XXXX claimed they could not stop the transaction even though I called immediately after making the transaction and before it has been posted. I also called XXXX bank, the bank which the scammer claimed he has an account with, in order to report someone using an account for fraudulent activity. I was told by XXXX that there is no avenue through which to report something like that. I have also submitted a police report through the Internet Crime Complaint Center.
Company Response:
State: KY
Zip: 40517
Submitted Via: Web
Date Sent: 2018-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX I received a notice from the IRS dated XX/XX/XXXX proposing changes to my XX/XX/XXXX tax return as they received Cancellation of Debt from PNC Bank National Association. On XX/XX/XXXX I spent countless hours on numerous phone calls with PNC Bank about the XXXX. I was given the complete run around and told the loan was so old it was no longer in their system and could not access it or give me a copy of the XXXX. I feel PNC Bank dropped the ball and failed to comply with RESPA and the Fair Debt Collection Practices Act. Especially, since it was during the time of the mortgage crisis. The XXXX that was issued is from a home equity loan that myself and my ex girlfriend XXXX XXXX XXXX took out that originated in XX/XX/XXXX for {$27000.00}, with XXXX XXXX XXXX, Doc # XXXX. XXXX and I ended the relationship in XX/XX/XXXX and I moved out of the subject property. XXXX continued living in the home with her new fianc and made no contact with me until XX/XX/XXXX asking that I give up interest in the subject property as she was now married and her and her Husband were both living in the home. I conveyed all interest in the Property via quit claim to XXXX XXXX XXXX. I signed the quitclaim Deed on XX/XX/XXXX. It was recorded XX/XX/XXXX in XXXX County, Document XXXX. After I received the notice from the IRS I was able to get copies of court documents within the last few weeks and found out that a Notice of Default and Election To Sell was recorded XX/XX/XXXX in XXXX County, Document # XXXX as XXXX defaulted on the mortgage loans in XX/XX/XXXX. The Trustees Sale occurred on XX/XX/XXXX in XXXX County, Recorded XX/XX/XXXX, Document XXXX, a forcible entry detainer was filed XX/XX/XXXX to evict XXXX from the home, and she filed a lawsuit on XX/XX/XXXX against XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX for a wrongful foreclosure claim. The case was dismissed by the courts.
Company Response:
State: OR
Zip: 97080
Submitted Via: Web
Date Sent: 2018-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-16
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I believe I am considered a Successor in Interest on my primary residence, which is titled in my ex-husband 's and my name, with a home equity loan and HELOC secured by the home in both of our names, both loans with the same bank. We separated in XXXX, divorced in XXXX, court order issued XX/XX/XXXX regarding ancillary matters. Order states I am retaining the home and assuming both loans. I realize that the Court and the bank are two separate entities, but I understand that there are new regulations regarding mortgage servicing and successors in interest. I have contacted my local bank branch, their loan servicing department, and have asked for my request to be forwarded to the legal department, but the responses I've received indicate that there is no one that can assist me in determining how I can go about having the loans placed in my name alone. I had been told, prior to the new rules, that I must refinance the loans, yet I will not qualify on my own. If I am unable to have my ex-husband 's name removed from the loans, I will lose my home. I, alone, have made all payments on both loans since XXXX, which I've brought to the attention of the bank. I'm told this doesn't matter, since I don't have income. I need to know what the new regulations mean for me, as I've read lengthy portions of the documents and know that they can be confusing, even for lenders. I am not in the business of servicing loans and am trying to consult my lender, who IS in this business, to clarify what needs to be done to get my ex-husband 's name removed. I don't feel that it's my responsibility to invest hours in reading regulations that my lender is required to know, understand and comply ( with ), but I've done just that and need an answer regarding how my lender will proceed. IF, and only if, I must refinance, I need to know how I can be approved using minimal income figures, the liquid assets I currently own, and my excellent payment history ( the last 7 years being paid solely by me, which should prove my ability to pay ). In addition, I have repeatedly requested that statements be sent to my home address, which is also the property address of the home securing the loans, but the address has been changed by my ex-husband several times. The court documents state that I am retaining the home and both loans, yet both the branch and the loan servicing department have refused to change the address again because of the history on the account. As a result, I am still not receiving statements, which means that I'm unable to confirm payments credited and other information and have no paper reminder of payments due. While I realize that it's my responsibility to remember due dates, and I'm aware that electronic options exist, I systematically pay monthly bills using paper docs. I also prefer to retain historical files for paper docs and my lender is required to provide them to me. My lender recently converted loans to a new platform, which has resulted in a multitude of ongoing issues and crediting errors for most, if not all, accounts. My loan information is not correct, but I am not complaining about errors that I'm told will be fixed in the very near future. My concern is that I have no statements to determine how the pre-conversion vs post-conversion account information compares. To be fair, I have spoken with reps that have offered assistance and I've been told that the address has been changed to the correct address, but apparently there are multiple system levels and the problem has not been fixed. Those that have the ability to correct the info are those that refuse to correct it, based on the history that I mentioned above. I understand that the bank feels that they are in a bad position, given my exes repeated requests, but the court docs clearly show that he has no interest in the property and the loans are not his responsibility. The bank only needs to honor requests made by me. I have also received some past statements upon request, but none without requesting. The bank is unsure whether this is because of address issues ( given the multiple layers for address files ) or if the statements have been suppressed in order to correct the system-wide errors due to the platform change. I'm told that corrected statements should have already been received by customers, but I've received nothing. Finally, I expressed my concern about filing a complaint with the CFPB when I felt it was more appropriate to reach someone within the bank that could assist me with my successor in interest and/or loan assumption request. I was told that I should file a complaint, which at this point, I feel is appropriate, given the lack of interest shown for my situation and inability to provide me with any information.
Company Response:
State: DE
Zip: 19808
Submitted Via: Web
Date Sent: 2018-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-16
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/XXXX I used my Debit card ending in XXXX for a purchase of {$390.00} as debit. The merchant explained this charge may accidentally have been put through twice, however I did not see it pending on my digital banking tools ( Website or Mobile App ). I called PNC Bank on this day to explain to a representative the situation. The representative did not have record of this transaction either. I checked my PNC account digitally on XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX diligently to make sure this possible duplicate charge did not cause me to overdraft however this charge of {$390.00} never showed up. Also, I made a mobile check deposit of {$1000.00} on XX/XX/XXXX to ensure if this charge was to have been duplicated that my account would not be overdrawn. To my surprise on XX/XX/XXXX I was charged 4 overdraft fees of {$36.00} each and noticed that the charge of {$390.00} was duplicated. I spoke to the merchant and they agreed to refund one of the charges of {$390.00}. Now at no time from XX/XX/XXXX to XX/XX/XXXX did my account ever show a negative balance on my online banking so I called PNC on XX/XX/XXXX to ask for the fees to be removed. I explained to the representative that I have a low balance email notification setup with a threshold of {$100.00} but I never received a notification saying my balance was less than {$100.00} so I asked the representative to explain why I received the fees as this is misleading based on the information provided to myself from PNC on my digital banking. The rep said there is nothing they could do. I think this is highly unfair as I proactively tried to prevent this and on top of that using the digital tools that PNC provides was unable to properly assess if I was in danger of overdrafting. I would like all 4 of the {$36.00} overdraft fees waived.
Company Response:
State: DE
Zip: 19977
Submitted Via: Web
Date Sent: 2018-05-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: After I notice my account was charge a wrong amount. I contacted the fraud number write away to let them know. I was told that a affidavit will be sent to my house. Fill it out and send it back as soon I can. I never gotten it and the XXXX was taken out again after a temp credit. No advance notice and no affidavit was ever receive. I did call to asked for another one sent out. Again never got one. I the file a complaint and with so many word. I was told now its because its past 60 and they are within the federal law and banking guide line. So as a bank member I did what I was so posed to do. The executive representative told me over the phone in the branch office of PNC. It was not going to be refunded .I believe it to be wrong and fraud on the behalf of big lot and PNC XXXX I even offer a copy of the recipe to the bank. At first they said they cant read it. Then it didn't matter. Thank you for your help in this matter My phone do not work write now
Company Response:
State: OH
Zip: 43026
Submitted Via: Web
Date Sent: 2018-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-15
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I have been with PNC bank since XXXX and have used their bill pay system to make reoccurring payments and one time payments. I did a one time payment to my association for {$25.00}. On XX/XX/XXXX I received an e-mail that my account was overdrawn. I had plenty of money to cover it so I called that evening. I was told that on top of my checking account I knew about, there was another checking account and savings account that I never knew about opened when the account I knew about was. There was never any funds or activity in these 'extra ' accounts but PNC sent the check from one of these with no funds. PNC assured me they would remove the fees and close these extra accounts to ensure this would not happen again. The next day my App looked different and I sent the {$25.00} again. The same thing happened! This time I went to the bank and spoke to XXXX XXXX and she said she saw that I called and that and they again would waive the fees and make sure the accounts were closed but it would take a couple of days. She told me to transfer {$25.00} in the 'extra ' account which I did in front of her with my phone. Yesterday I got a call from the bank where I was told they weren't waiving the fees and there was nothing I could do about it!
Company Response:
State: MI
Zip: 48035
Submitted Via: Web
Date Sent: 2018-05-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A