Date Received: 2018-05-15
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have called PNC at least 10 times about closing my account and each time they come up with a reason for why I can't. I do not live in their service area, I can't transfer money easily. They said I should try downloading XXXX and transferring the money to myself. They say I have " pending transactions ''. I've asked them to freeze the account to prevent pending transactions - they've refused. Why do they keep letting transactions go through?? And they're for stupid amounts of money : XXXX dollar, XXXX dollars, XXXX dollars. Another time they wouldn't let me cancel my account because my address was incorrect, which they said would take 10 business days to change. They're not able to help me freeze the account, they're not able to help me close it. This last time they suggested I dispute the pending charges because they should not have gone on this account ( XXXX is debiting them even though I've removed them from XXXX 's system ). BUT this would mean I can't close the account for another 4 weeks!!!!! PLEASE HELP ME CLOSE MY ACCOUNT!!! All I do is pay overdraft fees and they won't refund them or help me close my account
Company Response:
State: CA
Zip: 94110
Submitted Via: Web
Date Sent: 2018-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: RE : XXXX XXXX Vs PNC Bank. Thank you folks for being there. You have helped me greatly in the past in dealing with this ... well, I don't want to say " lending institution '' they're more a racket than anything and most of the people handling accounts should be terminated or worse ( jailed might be a better word in my opinion ). You were very instrumental in settling a dispute between me and " one '' PNC Bank back in XX/XX/XXXX. Thank you. It was very effective in getting their communication problem back on track for that issue. Unfortunately, I'm sorry, but we're back at it again with a new issue that isn't quite clear to me. I received a notice two weeks ago that " they were concerned '' about my inability to make my payments on the loan I have with them. The first word that comes out of their mouth is foreclosure. Kind of makes me suspicious of their motives and why I said what I did about jail earlier. There 've been some scams I hear lately about unfair or improper foreclosure on honest paying customers. ( hmmmm interesting ). Oh! Not accusing, you understand, but, well, just an interesting observation don't you think? I have not been late or delinquent on " one of my payments since XX/XX/XXXX '' when I opened this account with XXXX XXXX XXXX at the time. It was a Home Equity but the Home Equity was abolished in XX/XX/XXXXwhen I filed Bankruptcy and eventually got a Short Term Home Modification Loan set up at the time. That loan lasted two years and then a new load ( with your five star help ) got set up for a permanent agreement for both PNC Bank and I. I make my payments directly at PNC Bank XXXX XXXX XXXX XXXX OH. I have kept receipts on these payments since XX/XX/XXXX. Come now, PNC Bank, do you think I would be stupid enough to let payments lapse on a " LIEN? '' The first thing I would do is contact PNC Bank if I was unable to make a payment. Not that it would do any good. They don't care ... they don't listen. Legions of other people feel the same. That's why I've had to come to you the CFPB. I took, this document accusing me of needing " help '' no formal letter stating I had missed a payment ( s ) ( impossible if I'm making them at the local branch because PNC hasn't sent me a statement in five years ) to the same branch I always make my payments at. the poor banker, I felt sorry for him ... he was very understanding and contacted Billing or whoever right away. The " claim '' alleged by them is that two account numbers were transposed and the payment was credited to someone else 's account. " Ineptness. '' what can I say. I don't know why they recently gave everyone new account numbers ( XX/XX/XXXX ) I have the letter scanned if you need it but I suspect their ineptness travelled down this path too. A fiasco can always occur when people like this are handling new account numbers and precious information like loans with liens attached to them. The banker and I thought the problem was fixed. The change was " supposedly '' made and everything was fine. Then, Saturday I got some packet I never ordered from them accusing me of " get this '' of " MISSED PAYMENT ( S ) '' plural. OH!!!! Now, it's missed payment ( s ). I don't know how many but I have copies of the last five months of receipts from the local branch. ( hmmm ). Still no formal letter defining these " recently missed payments '' OH MY GOSH BEGOSH! Well, thank XXXX they're " RECENT ''. It didn't take long to put my hands on and scan the receipts for the past five months. It would be funny if it wasn't so sad that former XXXX XXXX XXXX a bank my dear Mother banked with for years has been sold to this ... ... .. ... Still no monthly statements but still I keep taking my payment to the XXXX XXXX XXXX OH branch every month and paying it without fail. The packet wants to " help me '' ( violins and orchestra please with just a little bit of obbligato from the lead voice if you please make it sound " serious '' " sad '' you know like " sack '' " cloth '' and " ashes '' thank you ) " explore my possible options for repaying my debt. '' What in blue blazes are they talking about? " Ineptness. '' I have copies of any documents you may need including the original agreement. Feel free to ask me I have them scanned. I'm sorry for so much info overload already. In short ... they're lying about " missed payments. '' Again, thank you for your assistance in this matter and yes I would love for you to share this information with your website I can not tell you or the world how much I loath PNC Bank. And one other thing This is a message to PNC. I own the house. You don't. You " have '' you " HAVE '' you " HAVE '' a piece of paper stating there is a lien on the property. That doesn't give you the right to invade " MY HOME '' whenever you take the whim. with your ineptness in not properly handling my account.. And harassing me with this monkey nonsense anytime you please.. This .... is .... MY PROPERTY! DO YOU UNDERSTAND???? ( hmm? ) and when the load is paid I'll be rid of you for good.
Company Response:
State: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2018-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-14
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: PNC Bank has given information to XXXX XXXX XXXX and XXXX. I am not aware of this information I have received nothing from PNC Bank. I am unaware of any poor banking habits with this company
Company Response:
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2018-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-14
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I contacted XXXX XXXX, Mortgage Loan Officer, NMLS ID # XXXX at PNC Bank in the beginning of XX/XX/XXXX about getting pre-qualified for a loan. We had several phone conversations and sent several emails over the course of a few days. Since XX/XX/XXXX, I have been trying to reach him. He has not returned my phone calls, texts or emails. He has gone completely MIA.
Company Response:
State: NY
Zip: 11216
Submitted Via: Web
Date Sent: 2018-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/XXXX, XX/XX/XXXX I have a serious complaint against PNC. Please consider my story. I am divorcing my wife. At this time it is necessary to get a full pulse on my financial health. I recently visited XXXX XXXX and was shocked : Over the course of our marriage, my wife has opened up dozens of credit cards in my name, without my knowledge. The worst of which - XXXX XXXX XXXX XXXXS. Please see the attached screenshot I took. My wife secretly opened the card in my name over two years ago, and in that time, PNC also allowed her to run up the balance to nearly {$13000.00}. Note that the card was opened on XX/XX/XXXX. Let me be perfectly clear : I have never opened a credit card in my life. After confronting my wife, she admitted to using my personal information, without my knowledge, to open this account. It took PNC some time to direct me to someone for help. I first spoke to a fraud agent on XX/XX/XXXX. She was polite and ready to help me any way she could. I was upset, but she was trying to help, and she let me get my story across. I told her I needed the statements from the time my wife opened the account up to today. She immediately obliged and sent an email with an attachment containing the statements and a fraud kit, I think she said. The trouble was, I was unable to open the zipped attachment to see the contents. I called PNC again later that day, or early the next day. I eventually got to the fraud department, but was still unsure who I was talking to. I didn't know if I was talking to someone in customer service in general, or the fraud department. I was told that an agent my case. I was unaware a case had even been opened up. Poor communication on the part of PNC. I followed up with the agent several times, but received only a voicemail ; I left several messages, but got no return call. This went on for a few days. Again, I didn't know I had been assigned to the fraud team. I eventually found their number. Instead of hearing from the agent assigned, I was left a message by someone else from the fraud team, and I ended up playing phone tag with her for a few additional days. I had provided my work and my cell number ; however, I was not contacted at work, and at the end of each day, I only had a message from the fraud team. I was not being helped in a swift manner ; at this point I was not being helped at all. Long story short, I was left waiting for far too long. I was given no details about my case, and PNC did not make clear the process they had started. As I said, I didn't know I had been assigned someone from fraud until days after I had first called PNC. All the information I had to that point was from XXXX XXXX ; nothing from PNC. I didn't even know the last four digits of the card number. A card that I never opened. As I said, my wife had opened it using my personal information, and she hid the mailed statements from me. This is an absurd situation, and PNC is a part of it. I did not open an online PNC account, nor did I apply for a credit card. And yet here is my name associated with the card. So while I'm waiting, the late fee and interest was intact, and I was billed still. This has taken a severe toll on my emotional and financial health. What about PNC 's best practices? Do you even practice ethical, sound business practices? I was violated. Am I to understand that PNC prides themselves on protecting customers? If so, how was I victimized? I'm not even a customer. I didn't open the card, and I am not the card holder. So why is my name on the card, and why is this seriously affecting my credit score? I've held a joint checking account at PNC with my wife for at least ten years ; that checking account is now closed. I did so for my own protection, but also because of what PNC did to me. Eventually someone in Retail Escalations spoke with me and hinted that if my wife had been paying using our joint checking account, even if I didn't know about it, the fraud team would probably not rule in my favor. I was so tired of waiting on PNC I just gave in. I even wrote them a letter and thanked them for their honesty ; I wish now I had not. In working with other credit card companies, I've come to understand PNC 's practices and investigations were not the same nor sound, and that in at least one case, XXXX XXXX, the XXXX XXXX XXXX XXXX XXXX confirmed that the account my wife opened up with them was fraudulent. And yet with PNC, they continue to victimize the victim. My divorce lawyer advised me that since my wife admitted to fraudulently opening up the card, with my name associated with it, to not call the police. He advised me to request the statements from when my wife opened up the account over two years ago, up to today ( as I mentioned earlier ), and to contact PNC and pay the monthly amount. He advised me to present him with all of this up until the divorce, in hope that my wife will rightly be responsible for the {$13000.00} balance. In the meantime, I'm doing as instructed, and it is the ethical thing. The right thing. What does PNC plan to do? How do they plan to do right by me? I was victimized, and PNC 's poor practices allowed this. They made it easy. So with late fees and interest, the next payment due was {$1500.00}. How was I supposed to pay that when I just found out about the card a few weeks prior? As you may see from the XXXX XXXX data, my wife had been making sporadic payments, and my credit and debt, totally unbeknownst to me, was getting worse. I had to call PNC and make a deal with them to get on a 'hardship ' payment plan. I've never had to do anything like that in my life, and it was humiliating. As I mentioned, there are dozens of cards my wife opened over the years, without my knowledge. I am paying XXXX, XXXX, XXXX, XXXX, XXXX XXXX, etc. All cards I didn't open, and didn't know about. How am I to protect myself when my wife is hiding the statements from me? How is she allowed to go online and along with PNC, make me a victim?
Company Response:
State: MO
Zip: 63020
Submitted Via: Web
Date Sent: 2018-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-12
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I took loan from the PNC Equipment Finance, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX for an equipment finance on XX/XX/XXXX. I paid off the loan on XX/XX/XXXX for the payoff amount. The payoff amount was provided by PNC on XX/XX/XXXX. However, PNC withdrew the monthly loan payment amount from my bank also on XX/XX/XXXX. When I contacted PNC to return the over payment, PNC equipment finance 's customer service ( XXXX ) emailed me that the over payment amount ( {$560.00} ) will be refunded to my bank account by XX/XX/XXXX. Today is XX/XX/XXXX and I still didn't receive the refund of {$560.00} in my bank account. I sent emails on XX/XX/XXXX and XX/XX/XXXX to their customer service requesting update and those emails were not answered by PNC. I am fearing that PNC bank will not refund my money. Please help.
Company Response:
State: IL
Zip: 60540
Submitted Via: Web
Date Sent: 2018-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2018, I was contacted by a seller claiming he was renting out a studio apartment in XXXX. He even had a picture of his driver 's license with the address in XXXX XXXX which, in retrospect, was likely a picture from another possible victim. Over the next 10 days I corresponded with him over email and text messages to finalize the rent. I paid via the XXXX XXXX app, XXXX XXXX, and XXXX Messenger pay. Unfortunately when the time came, he claimed he couldn't send the keys to the apartment and the leasing documents. When I confronted him, he called me a variety of names and later on admitted to scamming me due to poverty. I contacted my bank, PNC, immediately after and filed disputes for every transaction. Since it's based on the east coast from when I attended university, I was unable to visit any branches. The fraud investigation department took 3 months to get back to me and said they were completely unable to do anything. However, I specified that it was a scam and that I had indeed authorized the transaction, so it wasn't an issue of someone else taking my card number. Yet these transactions weren't able to be reversed. The only company that did anything to help me was XXXX, who reversed my transactions in XX/XX/XXXX immediately after listening to me describe what happened. Unfortunately since only 20 % of my payments were made through XXXX XXXX as the seller preferred the other methods, I still have {$5900.00} left to recover.
Company Response:
State: CA
Zip: 95136
Submitted Via: Web
Date Sent: 2018-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-12
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Vehicle repossessed on XX/XX/XXXX. Unsure of what happened I reached out to local authorities because I thought there was a theft. Was later told by local authorities the vehicle was repossessed. I then called PNC bank, whom the loan is through. I called PNC and noticed they have a warning that they are having issues where peoples credit is getting negatively impacted due to system errors. When I spoke to the representative ( same day as repossession ), he indicated that I had owed XXXX but was unsure what months were unpaid. He was able to see back only 30 days, in which he did not see a missing payment in his view. When I asked how they were going to notify he of a missing payment, he told me that PNC bank does not send anything in the mail, call or leave voicemails, and because I do not have a PNC bank account I am also unable to make payments or view my balance due online. The only way for me to know if I have an outstanding payment is to call them each time I question it. I was also told he can not accept any payments and I would need to call back another day during the week. XX/XX/XXXX, I called PNC bank back to see what I need to do in order to retrieve my vehicle back. The representative ( different person ) was then able to go back until XX/XX/XXXX for past payments. She told me that she was able to see every month from XXXX to present was paid and assumed it must be XXXX that was unpaid, though she could not see the month in her view. I asked again, how am I supposed to know if a payment was not sent in, lost in the mail, or the payment was credited to another account ; I was told again, my only option would be that I need to call each month to see if my payment had been cashed correctly. When I asked her when my payment was actually due since I never received any paperwork on my loan duration, she was unsure. I then paid the remaining {$800.00}, the remainder of what was left after the check they cashed a day later. The money was taken out of my bank account on XX/XX/XXXX. I checked with the representative if I am all set and able to pick up my vehicle, in which she told me I was.Because both representatives were unsure of when my payments were missed I logged onto XXXX and saw that my credit had been dinged for XXXX, XXXX and XXXX. On XX/XX/XXXX I called XXXX XXXX XXXX in XXXX, MA to schedule a pick up of my car. The person whom answered the phone let me know they were closed and I could pick the car up the next day. On XX/XX/XXXX I called XXXX XXXX XXXX back to schedule the pickup per the conversation the night prior. They let me know that PNC had never sent any paperwork that my loan was paid and the car was going to auction. After I hung up the phone. I called back PNC. This time I was told that I have to pay a total {$830.00} for a finding vehicle fee plus and a fee for going delinquent. When I asked what the finding a vehicle fee was, he told me that they charge me to find locate where my vehicle is, even though my address was up to date on their system. When I let the representative know I can make the payment over the phone, I was told that is not acceptable. I was instructed to go into a XXXX XXXX and conduct a wire transfer to an account number I was given. When I asked why I couldn't pay over the phone, he was unsure.
Company Response:
State: MA
Zip: 01923
Submitted Via: Web
Date Sent: 2018-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I recently short sold my primary residence in a short sale on XX/XX/2018. The first mortgage was a full payoff, the second, with PNC Bank was a short sale and they settled for {$77000.00} per their attached short sale approval letter. The letter clearly states that the debt of {$34000.00} was to be forgiven. Now after almost 3 months, they have still not recorded the satisfaction and have taken the past due out of my checking account without my permission.
Company Response:
State: NC
Zip: 28540
Submitted Via: Web
Date Sent: 2018-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-10
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: XX/XX/XXXX my bank XXXX XXXX XXXX sent a XXXX check to XXXX XXXX XXXX XXXX electronically. They never did get it. On XX/XX/XXXX it was cashed at a PNC Bank. Neither XXXX XXXX nor I have an account there now or in the past. I spoke with my bank and they have conducted a fraud/electronic foul play investigation and have reported that it did not happen. I called PNC Bank and because I don't have an account there they could not talk to me about it. They referred me back to my bank and tell them they must inquire about it. My bank is currently working on a ( source of receipt ). When I reported it to my bank she said it would take 60-90 days before PNC respond. She also told me that there are no laws that say PNC has to respond within that time frame. It was the last of my money and in my eyes they deliberately, intentionally and willfully stole money from me based upon they had no account to deposit it into.
Company Response:
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2018-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A