Date Received: 2018-04-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Since opening my account with PNC Bank I've had many issues, especially after applying for an XXXX XXXX position! The extra ATM Bank fee of {$3.00} is Federally illegal, and they state XXXX didn't input the {$57.00} into my account, but they never released funds on XX/XX/XXXX, or XXXX, an so the bank issued a provisional credit, after I received the credit and spent monies they state provisional credit was removed by bank. I received a letter post marked XX/XX/ stating PNC is withdrawing {$57.00} from my account, on XX/XX/XXXX this was done, and {$7.00} overdraft fees daily on top of {$36.00} overdraft initial fee due to XX/XX/XXXX taking back the {$57.00} due for merchandise I never received! How can this be legal? I called FTC to file complaint and received a letter postmarked XX/XX/, yet I didn't receive this letter till XX/XX/XXXX Seems to me PNC Bank, and FASFA not paying for transcripts, XX/XX/XXXX, and every higher education facility is against XXXX XXXX and using crooked business tactics, social prejudices to hinder our businesses!!! Please investigate, stop PNC from their extra charges including extra ATM Fee out of network use fees, and include me in on any class action lawsuits? Thank you!!! From : XXXX XXXX XXXX
Company Response:
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2018-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On or around XX/XX/XXXX I discovered negative reporting information associated with " XXXX/XXXX XXXX XXXX '' on my XXXX, XXXX, and XXXX credit reports. The information reported shows that the loan is in individual account in the amount of {$5000.00} that was opened XX/XX/XXXX with a monthly payment of {$240.00}. Being that I knew nothing about that information or whatever was reported or any knowledge at all of this account, began the dispute process. I advised XXXX/PNC that I have never taken out a private student loan other than the one with XXXX XXXX in law school. Months went by, my dispute went unheeded. Most recently, I began the dispute process again, having seen that nothing had been resolved. I received a notification in XX/XX/XXXX, that the debt had been verified as accurate. I requested copies of any and all documents relied upon in order to make this verification. Over 90 days have past and XXXX/PNC has failed to provide me with any verification of this account or debt, showing that it was me for applied for an received this loan. I have requested over and over for them to remove this negative reporting from my credit report as is continues to remain listed as a derogatory mark, which affects my credit worthiness.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2018-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-27
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: This card has been in use for many years and credit use was terminated over two years ago due to a few late payments. After that time payments were regularly made in excess of the billed amount with approval of the PNC Bank. We have been charged {$35.00} late fees on multiple occasions in addition to added finance charges which began showing on statements as a purchase withdrawal. These withdrawals were never authorized and I consider them as fraudulent and unapproved theft. I feel that all of the {$35.00} late fees are also fraudulent due to my overpayments on the account which easily exceeded the amount due by approximately 200 % or more. I was only able to attach documentation of these charges back to XX/XX/2017, but they go much further back in time and should also be added to the charges shown on the accompanying account document.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-27
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Hello, I started an auto loan with PNC bank on XX/XX/XXXX. Upon my first call to PNC Bank only weeks later I was appalled by how long I had to wait on hold and with the customer service I received. Right then decided to pay off my car to avoid making further payments and having to deal with their incompetent customer service. I sent my payoff check to PNC Bank on XX/XX/XXXX and only weeks ago, on XX/XX/XXXX was I informed that they had " found '' my check in their post room. I have all of the names written down for every single person I spoke to from XX/XX/XXXX-XX/XX/XXXX and no one made an effort to help me with this very serious problem. Quite on the contrary, the customer service representatives were annoyed with me calling and said that the check would " most likely be found sooner or later. '' Meanwhile, I was watching late payment fees and interest pile up for my loan. These fees and interest have not been refunded to me. I was sent to their " escalations department '' where my issue was not " escalated '' to the least bit. During the time they were " looking for my check, '' XXXX, the agent I was dealing with in the escalations department, told me to " be patient and call back later. '' Coincidentally, XXXX was in " training '' during the two or three weeks when I needed her help most. Her voicemail said she would have " limited access to her e-mail and phone. '' Please take into consideration that at this point I was not as much worried about the late payments or interest accruing as much as I was about my credit being affected! On XX/XX/XXXX ( one day before the " lost '' check would begin affecting my credit ), I decided to make a minimum payment so that my credit would not be affected due to the fact that PNC was still searching for a check that XXXX had noted was " never received. '' This statement in her notes was extremely false as I have Proof of Payment from my bank who sent the check with a tracking note that put the payoff check in XXXX on XX/XX/XXXX. This information alone shows that my check could have been found, but out of pure disrespect and inconsideration no initiative was taken to find my check in a quick fashion. Instead, they took their time and allowed my late payments and interest to go up before finding the check. If I had not made a minimum payment this would have indeed affected my credit. On XX/XX/XXXX I went into a local PNC branch to voice my situation and the financial consultant, XXXX, told me that he would give me the number for the escalations department. I explained that I have already been in contact with multiple individuals in the escalations department, none of which have helped me in any way. XXXX gave me his card and said that I should expect to hear from him about this issue in the next couple of days. I never heard back from XXXX even after I e-mailed him and left him messages at the branch. Today my loan is paid off, but I have waited to submit this complaint due to the fact that PNC had " never received '' the title for my car. They were not able to provide me any information about how to get my title back and suggested that I go to the DMV in Florida to take care of the issue. Mind you at this point they were more than aware that I had recently moved to XXXX XXXX, South Carolina. To this day, I still do not have the title to my car in hand which is beginning to affect me being able to drive. PNC has never attempted to contact me with an apology or refund of interest or late payments. When asking them to compensate me for my frustration and time the answer that I received was " XXXX XXXX, PNC does not do that. ''
Company Response:
State: VA
Zip: 22101
Submitted Via: Web
Date Sent: 2018-04-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PNC 's policies for funding a mortgage escrow account are arbitrary and demand more than is necessary to cover expenses. They have a rationale, but the method ultimately demands more than is necessary. The consumer has no practical way to dispute or negociate the demands. Additional complaints concerning PNC 's collection policies and internet access to account information can be found any number of places, but I can describe a typical PNC experience relatively objectively : All telephone calls to PNC will subject the consumer to repeated disclaimers concerning the rights of the mortgage company. The first representative will verify all current contact information very specifically, item by item. When the issue of website access arises, the consumer will ultimately be told, for any number of reasons, that PNC can not provide immediate access to account access, because the account can not be verified. Resetting a password ultimately involves a company policy that requires the use of a PIN number that is only sent via standard mail. Since is sent via regular mail, it can not be tracked, and it creates a delay that prevents the consumer from having access to necessary information before a payment is due.
Company Response:
State: TX
Zip: 77845
Submitted Via: Web
Date Sent: 2018-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: FOREWORD : PNC HAS NOTARTIZED THIRD PARTY AUTHORIZATION FROM ME, A COPY IS ALSO ATTACHED, THEY CLOSED THE RECENT TWO COMPLAINTS CLAIMING I AM NOT AUTHORIZED, I AM AND HAVE BEEN SINCE XX/XX/XXXX LOAN # # XXXX BORROWER : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX This is my desperate attempt and plea for some resolution on this file. This short sale has broken me down with truly uncalled for stress and in the seven years Ive been negotiating short sales, I can not think of a worse experience than Ive had with PNC on this file. I have been working this file for over a year of my life ( since XX/XX/XXXX ) and I am desperately hoping for some help to finally get this resolved. Just when it seemed like we finally made it to the end and the approval was issued after 116 days in review ( with the current offer ). We were unable to close because a XXXX lien was found on title. However, on XX/XX/XXXX via phone call with XXXX XXXX she stated that the investor has APPROVED to pay the XXXX lien from sale proceeds. Which was what we were hoping for, however it is now two weeks later and I still do not have the updated approval to move the file into closing. The second lien, XXXX XXXX XXXX already had to RESTART the short sale because we already received the maximum amount of extensions while we were waiting for PNC to approve. XXXX XXXX XXXX came through and reissued a new approval ( attached ) that expires on XX/XX/XXXX. Which we must close by then as weve already exhausted our options with the second lien. Not to mention, the longer it takes to close the higher to pay off balance will be on the XXXX lien that was approved by the investor to pay from sale proceeds. Alas, there have been several prior issues with the processing on this file that I will not go in to details with as there is already much to deal with on the current matters. ( complaint XXXX about PNC BANK N.A.. ). Anyway as I mentioned above, we have/had approve on the short sale from PNC since XX/XX/XXXX, which has an expiration date of XX/XX/XXXX. It was confirmed by XXXX XXXX on XX/XX/XXXX the investor then approved our request for the XXXX lien that is in third position in the amount of {$6400.00} to be paid from sale proceeds. Now it would seem like everything would be grand and straighten out and we can proceed with closing however, I have yet to either get the confirmation to use our current approval, OR if PNC is going to issue a NEW approval that includes mention of the XXXX lien. Upon waiting I have been plague with the following requests from PNC that ae tedious and completely obsolete.. XX/XX/XXXX, XXXX stated the investor HAS approved our request to pay the XXXX lien, BUT they are asking for a NOTARIZED authorization. o Again, like I said before I have been working this file and a recognized authorized third party on the file for over a year, recent TPA even sent in back in XXXX. The request for a notarized TPA at this point of the game? Unnational yet I still complied. XX/XX/XXXX, Aside from the request for the notarized TPA I was then told to resend every-single-short sale-document, RESIGNED AND INDVIDIUALLY NOTARIZED. Sigh, again I have been negotiating short sales for over 7 years and never ever have I been requested to have documents already accepted be resigned and notarized when the documents dont even require. Yet I still completed and submitted the notarized documents on XX/XX/XXXX. XX/XX/XXXX, I was then requested for the identification the notary used when the signed documents were notarized by her. The same day not only did I forward the photo-copies of the ids, but also from the email from the notary to show authenticity. XX/XX/XXXX, I received a message stating PNC is now calling the notary and demanding even more. More of what? I dont even know and can not even phantom at this point as we complied and provided everything imaginable. I received an email from the notary that XXXX XXXX XXXX XXXX used for their documents a couple of weeks ago. PNC is contacting her directly and giving her a hard time about not liking the way she notarized. It took her over an hour & was done at no charge as a courtesy to the listing agent. XXXX ( the notary ) is a disinterested 3rd party and has no affiliation with XXXX XXXX XXXX. She did verify their IDs and provided copies. Im not sure what else they are looking for? Again, the short sale is/was approved with our offer, Investor approved the amendment request for payment to the XXXX lien, we still dont have the revised approval to move to closing, we really are exhausted and want to move to closing. Please put us out of our misery. Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. From : XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Subject : RE : URGENT URGENT URGENT EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX Importance : XXXX XXXX, Can you please call me today, I can be flexible and if you need to schedule a particular time I can make that work. Something has to be done on this file today, thank you I know you are trying to help and appreciate your time and assistance. Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. From : XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Subject : RE : URGENT URGENT URGENT EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX Importance : High Can you please call me ? Emails are not working, I just received the message below from the agent. There can not possible be anything wrong with the documents, per loss mits request I had EVERYTHING signed and notarized. Document that do not even require to be notarized which the only way to notarized them was to include a jurat which was done. Why is this file being held up again, I provided you notarized documents, proof of identification the notary used, what is the problem? Honestly, XXXX you know my frustration is stemming from a place where ive tried to be patience, I have been negotiating short sales for over seven year and I have never had a file make me want to give up as much as this one and what PNC is putting every one through unnecessarily. Hi XXXX I received the email below from the notary that XXXX XXXX XXXX XXXX used for their documents a couple of weeks ago. PNC is contacting her directly and giving her a hard time about not liking the way she notarized. It took her over an hour & was done at no charge as a courtesy to me. XXXX is a disinterested 3rd party and has no affiliation with XXXX XXXX XXXX. She did verify their IDs and provided copies. Im not sure what else they are looking for? Is there something further we need to do? Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Direct XXXX FAX Email : XXXX XXXX Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. From : XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX Importance : High I sent you this already it is not only copies of the IDs the notary used for the documents they notarized but you can see it was sent BY THE NOTARY SPECIFICALLY via email. What on earth can I provide other than this? Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. From : XXXX, XXXX [ mailto : XXXX ] Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX XXXX , I received the following response from loss mitigation service partners : THE NOTARY WAS TO PROVIDE COPIES OF THE DOCUMENT USED TO VERIFY THE IDENTITY OF EACH PARTY. THIS IS NEEDED BEFORE WE WILL PROCEED. PER EMAIL FROM CA SUPERVISOR, THE IDENTIFICATION MUST BE NOTARIZED BY THE SAME NOTARY THAT WITNESSE D THE DOCS BECAUSE THE NOTARY FAILED TO PROVIDE TH IS WITH THE INITIAL PACKAGE AND THE NOTARY AFFIDAV IT DID NOT INCLUDE THE TYPE OF DOCUMENT USED TO VE RIFY IDENTITY. WE CAN NOT MOVE FWD UNTIL WE HAVE THIS INFORMATION XXXX XXXX Escalation Lead, Officer Executive Client Relations in Support of Mortgage PNC Bank XXXX XXXX XXXX. XXXX, PA XXXX XXXX ( P ) XXXX XXXX From : XXXX XXXX [ mailto : XXXX ] Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX Can you please follow up with them/investor to give some sort of timeline on when it will be confirmed to carrying with closing with the PNC approval we already have or if you will be issuing a new one? Please? Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. From : XXXX, XXXX [ mailto : XXXX ] Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX XXXX , Ive sent this over to loss mit to review. XXXX XXXX Escalation Lead, XXXX XXXX Client Relations in Support of Mortgage PNC Bank XXXX XXXX XXXX. XXXX, PA XXXX XXXX ( P ) XXXX XXXX From : XXXX XXXX [ mailto : XXXX ] Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX Importance : High Please see attached, is this enough proof to move forward? I apologize for my hostility but I know you know what Ive been through with the file and entire experience and the stress has gotten to me. Please let me know when the approval will be released. Thank you. Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. From : XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX XXXX XXXX XXXX : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX Can you please provide more information on when the approval will be issued? It doesnt make sense the file has to be at a stand still because of the documents because the documents are not new and were already reviewed, you just had me have them all resigned and notarized. The short sale was/is approval and you said it is okay for the XXXX lien to be paid from sale proceeds, so what is the hold up? Please let me know as I have to give the buyer an update today to prevent them from walking. Thank you for your assistance. Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. From : XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX Importance : High But you said last Thursday the investor APPROVED the request to pay the UCC lien from sale proceeds. We already have approval why is the file being treated as if it brand new and all document need to be reviewed they are documents already reviewed and approved we just had to inconveniently have everything re-signed and notarized per underwritings request. Why is this holding back closing when everything was approved? What am I supposed to tell the buyer? Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. From : XXXX, XXXX [ mailto : XXXX ] Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX XXXX , I do not have any updates. I have sent over all documents that you have sent me via email to my service partners in loss mitigation for review. Thank you, XXXX XXXX XXXX XXXX Escalation Lead, Officer Executive Client Relations in Support of Mortgage PNC Bank XXXX XXXX XXXX. XXXX, PA XXXX XXXX ( P ) XXXX XXXX From : XXXX XXXX [ mailto : XXXX ] Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX 2nd lien had to REAPPROVE the short sale since we had their approval for so long and they were unable to issue any more extensions. Attached is the update approval. I need to move this file into closing but need your new approval letter acknowledging payment to the XXXX lien from sale proceeds. Thank you Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. From : XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX, XXXX XXXX ; XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX We received your complaint. XX/XX/XXXX Hello, Thank you for your complaint XXXX about PNC. Keep this communication and your complaint number so youll be able to track your complaint throughout the complaint process. Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. From : XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX, XXXX XXXX ; XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX Importance : High Do you have an ETA on when the update approval that allows the UCC lien will be ready? Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. From : XXXX, XXXX [ mailto : XXXX ] Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX XXXX , I have sent the documents to my service partners in loss mitigation. XXXX XXXX Escalation Lead, Officer Executive Client Relations in Support of Mortgage PNC Bank XXXX XXXX XXXX. XXXX, PA XXXX XXXX ( P ) XXXX XXXX From : XXXX XXXX [ mailto : XXXX ] Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX, XXXX XXXX XXXX Loss Mitigation XXXX XXXX ; XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX Importance : High LOAN XXXX XXXX BORROWER : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX I just wanted to confirm receipt of the notarized documents that I returned on Friday. Do you have an ETA on when the approval will be issued? Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. From : XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX, XXXX XXXX ; XXXX ; XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX Importance : High LOAN # XXXX BORROWER : XXXX Anderson PROPERTY ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX **** Good Afternoon, Please find ALL documents notarized and resigned attached. Please submit so the revised approval letter can be issued. Thank you. Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. From : XXXX, XXXX [ mailto : XXXX ] Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX XXXX , Loss Mit needs the notarized signed authorization for you. Ive asked loss mit to hold off on getting the ( complete ) package re-signed and notarized until we get a decision back from the Investor regarding the lien you brought to our attention and with additional research you provided surrounding it. As mentioned, we do need the notarized signed authorization. If you and the borrowers want to contact me ( together ) I can listen to your concerns and share them with my service partners. As Ive advised, I have asked my loss mit service partners to try and contact the Investor for an update. ( as of the date/time of my email Ive not heard any updates ) Thank you, XXXX XXXX XXXX Escalation Lead, Officer Executive Client Relations in Support of Mortgage PNC Bank XXXX XXXX XXXX. XXXX, PA XXXX XXXX ( P ) XXXX XXXX From : XXXX XXXX [ mailto : XXXX ] Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX, XXXX XXXX ; XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX Importance : High I just received this from the XXXX, ARE YOU KIDDING ME? @! @ XXXX @! @! Good morning XXXX, I just received a phone call from XXXX, from PNC, and she said that we not only have to fax/email the 3rd party authorization form for you to receive information but now we need to re-submit ALL the forms from the beginning. Like the Hardship assistance form, the listing agreement and the purchase contract, with signatures and our loan number on every page. When I inquired why we would need that she said its for our protection because our signatures were not consistent throughout this process. Im very confused as to why that is when in fact they were OUR signatures. Does this sound like a normal thing? She also said that we can just copy the already filed forms BUT with NEW SIGNATURES under the old ones and everything needs to be notarized. So if anyone still has those copies can you please email them to us so I can get this going. XXXX XXXX Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. From : XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX XXXX XXXX XXXX : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX Any update from the investor on the XXXX lien? Its been two weeks I am on the verge of giving up.. Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. From : XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX XXXX XXXX XXXX : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX I doubt the sellers have capacity to have it printed on legal. I told them to have the notary include a jurat. Thank you for your response. Please let me know as soon as you hear anything from the investor about the XXXX lien. If we dont have this cleared up soon its going to be a dead deal because the 2nd will not extend. Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX The contents of this email message and any attachments are confidential and are intended solely for addressee. The information may also be legally privileged. This transmission is sent in trust, for the sole purpose of delivery to the intended recipient. If you have received this transmission in error, any use, reproduction or dissemination of this transmission is strictly prohibited. If you are not the intended recipient, please immediately notify the sender by reply email or phone and delete this message and its attachments, if any. From : XXXX, XXXX [ mailto : XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX XXXX , That is the only authorization form that I have. Are you able to print in on legal size paper to allow for a notary seal? Its my understanding that loss mit is not requiring a certain form they are requiring that the verbiage to be present for the authorization and the signatures of the borrowers to be notarized by a neutral third party. Thank you, XXXX XXXX XXXX Escalation Lead, Officer Executive Client Relations in Support of Mortgage PNC Bank XXXX XXXX XXXX. XXXX, PA XXXX XXXX ( P ) XXXX XXXX From : XXXX XXXX [ mailto : XXXX ] Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Cc : XXXX XXXX XXXX Subject : RE : EXTERNAL : RE : EXTREMELY URGENT : PNC EXECUTIVE CLIENT RELATIONS CUSTOMERS : XXXX XXXX Thank you, I appreciate you reaching out so the investor can be followed up with. The authorization doesnt even have a notary block and is has to be notarized? Respectfully, XXXX XXXX XXXX XXXX XXXX/ Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX XXXX XXXX XXXX
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a HELOC with PNC Bank with a variable rate adjustable monthly. The line of credit is closed. I had filed for personal bankrupcy about 7 years ago and did not reaffirm this loan, but, PNC Bank has been issuing monthly statements and I have been making monthly payments on this loan for the past 10 years. The monthly payment amount changes due to the variable interest rate. PNC Bank has not issued a loan statement to me for the past 2 months. They have advised me that they have decided to discontinue issuing statements on HELOCs. They have informed me that they have no obligation, legal or otherwise, to issue statements to me on this loan. They will not allow me online access to the loan information since I do not have any other accounts with PNC. They can not tell me how I am supposed to make payments on this loan, or how much is owed monthly. I believe that PNC is violating their legal obligation to provide a monthly statement on this loan in an attempt to force me to refinance this loan because they no longer want to provide the favorable interest rate on the loan.
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2018-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Our names areXXXX and XXXX XXXX. We have a home equity loan with PNC Bank for the property of XXXX XXXX XXXX XXXX NJ XXXX, loan number XXXX. On XX/XX/XXXX, we received a letter that the payment system of payment coupons changed to statements and we were supposed to receive a new account with a payment due date of the XXXX of each month. We would pay during the first few days of the month, but the new system is not allowing us to pay until exactly the XXXX of the month. OnXX/XX/XXXX and onXX/XX/XXXX, we sent our payments, but they were considered as principal payments instead of payment for the month. Therefore, on the XXXX of the last two months we received a call from PNC saying that we did not make the payments and we were delayed.
Company Response:
State: NJ
Zip: 07728
Submitted Via: Web
Date Sent: 2018-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-26
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/XXXX, I utilized my debit card for several purchases. At the beginning of the day I had {$180.00} in my account of available funds. On XX/XX/XXXX, I utilized {$180.00} in funds which did take me to a negative balance of $ XXXX which I agree to 1 overdraft fee in this case. However, I also had a chiropracter appointment which was sitting in my pending withdraws for {$40.00} which still has not posted today on the XX/XX/XXXX. Because the account is holding those funds they are also overdrafting me for another {$36.00} for a charge that is not posted yet. On top of this, my direct deposit is pending as well for over {$1500.00} between both of my accounts. I do not see how a bank can charge me for an additional overdraft fee when their system has the withdraw still pending and not posted to the account yet. This seem like a scam to get easy money from clients. I tried calling the bank to work this out but because of a dispute earlier in the year which caused due to an unauthorized withdraw which the investigation was in my favor and two other refunds within a 12 month rolling period due to the same situation I am facing today, they will not refund any further funds. Again if the funds are pending withdraw but not posted, how can a bank charge me for this when a deposit is also pending for the same day. I agree to one overdraft charge but not two of them.
Company Response:
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2018-04-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PNC BANK, I received an escrow account disclosure statement indicating my escrow account is short {$7500.00}, comprised of XXXX that it was permitted to run short in XXXX w/out notice to us. This added to the {$3300.00} anticipated shortage in the coming year for XXXX makes up the total shortage amount. This is increasing our payment 66 % of its prior monthly payment amount. This is a big impact to our ability to repay our mortgage especially since my husband is going XXXX XXXX XX/XX/XXXX which will further reduce our monthly income. I do not feel PNC properly assessed the real estate tax figure needed last year when performing the escrow analysis at that time, it appears they were using the land assessed taxes only and not basing it on the actual assessed value after construction completion and the sale. I am dissapointed the account was able to go {$4200.00} negative w/out any notification to me as a consumer. Why are these not treated like a debt collection immediately and the consumer notified timely. My biggest question to the CFPB is why is there no notification to consumers when the escrow account begins to go negative by the lender, why is it allowed to go so far into the hole and we are expected to catch it up w/ in 12mo in addition to the resulting increase for the existing 12mo. I feel this is a fatal flaw that needs resolved immediately for consumers.
Company Response:
State: IA
Zip: 501XX
Submitted Via: Web
Date Sent: 2018-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A