Date Received: 2018-04-20
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: There was a fraudulent ACH charge on my acct and the bank tells me that theres no way to prevent any future ACH charges from acct.
Company Response:
State: PA
Zip: 15601
Submitted Via: Web
Date Sent: 2018-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PNC Mortgage / PNC Bank keeps on delaying the process to remove my PMI. According to my mortgage agreement, the PMI on my mortgage should be removed when the LTV ratio is 80-20 and I meet certain other requirements like regular payments etc. I meet all the requirements and have made the required payments on XX/XX/XXXX as reflected in the attached statement. Furthermore, since my mortgage agreement says that the lender may require an appraisal before removing PMI to ensure that the property value hasn't gone down, I asked PNC to clarify if they need an appraisal and if yes then please go ahead with the appraisal. Now this is where they stated with the delaying tactics. First, they misapplied my payment made on XX/XX/XXXX and put it in some " Other '' category when it should go towards reduction of my principal. Next, despite my repeated communications to tell them to use the corrected payment information before sending me an answer on the appraisal, they took good 2 weeks and sent me the information with misapplied payment. Note that they did this despite telling me they will start the process to remove the PMI with the correct payment information as shown in the attached email communication. Their letter that I received said that I haven't reached the 80-20 LTV ratio even though I clearly have. Next, they made me wait before I could send in a new request to remove the PMI while they corrected the misapplied payment. I complied and sent them a new request again onXX/XX/XXXX. They said I will shortly receive the letter with the appraisal order form but I still haven't received anything. It's been about a month since I made the payment that took my LTV below 80 percent and still they haven't provided me a simple Appraisal Order form. They refuse to allow me to get another appraisal myself from a certified appraiser or to directly contact the appraiser that they themselves recommend. All this while I am suppose to keep on paying the PMI. Just providing the customer with an appraisal order form should not take more than a month in XX/XX/XXXX.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-20
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I opened a PNC Bank Secured Card in XX/XX/2015 that was closed however up until the Data Breach with the Credit Bureaus it was still showing building my Credit. Credit is very important to me & I contacted the Credit Bureaus & they said I needed a reinsertion letter. I contacted the Executive Office at PNC Bank & was not able to get this resolved. The next step would be to File a Lawsuit against the Credit Bureaus & PNC Bank
Company Response:
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Hello, My Name is XXXX XXXX. I am contacting you to address my concern/ complaint against PNC Mortgage as they have not followed through and complied with the law in accordance with Loan Modification due to desaster ( Hurricane Harvey ). I was laid-off from my employment due to Hurricane Harvey on XX/XX/XXXX ( currently employed as of XX/XX/XXXX and not able to bring my account current due to unemployment ). I had contacted my mortgage company ( PNC Mortgage ) inXX/XX/XXXX and informed them of my situation and they placed my loan on Forbearance for six months. During that time, I was in constant communication with my mortgage company and was asked to send in a hardship package if not able to bring the loan current. I did just that in XX/XX/XXXXand I was told the loan could not be reviewed for modification since it was in forbearance and to wait until forbearance ends. My forbearance ended on XX/XX/XXXX. As requested, I emailed the documents to my assigned rep XXXX XXXX on XX/XX/XXXX to make sure they received the documents as the forbearance ended as requested by the rep. Now I'm being told it was not reviewed and that my loan will go to foreclosure proceedings on XX/XX/XXXX. Today, I was asked to send the package again, and I have sent it in again for the 3rd time. I am extremely frustrated with PNC 's process and their representatives do not know what they are doing as they continue to provide wrong information. I do not see any accountability here. When I asked to speak with the manager in-charge I get placed on a long hold and transferred to XXXX XXXX voicemail. I have done everything I was asked to do and complied with all requests furthermore I have been calling PNC every week and keeping in touch with them. I have explained my situation to them several times and that I do not wish to lose my home. I only have close to {$12000.00} left on my mortgage and am getting this run around by PNC. Please investigate my complaint as I do not wish to lose my home. Thank you kindly. XXXX XXXX ( PNC Acct # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX , Texas. XXXX
Company Response:
State: TX
Zip: 77450
Submitted Via: Web
Date Sent: 2018-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-18
Issue: Problem when making payments
Subissue:
Consumer Complaint: In early XX/XX/XXXX PNC Bank ( updated ) installed a new HELOC program, changing/updating all components of existing loan, ie. account numbers, the way payments are applied. They suspended all activity for a week. I was unable to make any payments, transfers, etc. for that period of time and unable also to see my balance online. On XX/XX/XXXX I went to the branch in XXXX NJ to make a principal payment on my HELOC of {$5000.00} and to inquire why there was a payment made automatically of {$130.00} to principal. It was supposed to come out automatically, and it did, but it incorrectly applied payment to principal, making the standard pymt for XX/XX/XXXX unpaid, due to system " glitch ''. I sat down with a branch employee to correct problem and was there between a 1/2 hour to an hour waiting for someone from the HELOC department to assist and correct this problem ( I had been on the phone the day prior on hold for more than 1 hour trying to solve same problem ). Finally on XX/XX/XXXX the payment was reversed and reapplied and showed as " other '' payment. No indication what portions were applied to principal/interest. My {$20.00} online payment from that same XX/XX/XXXX day was also incorrectly posted as interest. After numerous phone calls and hours on hold the problem has not been solved. I was promised on XX/XX/XXXX by a Manager of the Escalation Department that all would be corrected by Monday, XX/XX/XXXX and that she was sure this was enough time for the problem to be fixed. I called again on XX/XX/XXXX and left her messages and spoke to another Manager of Escalation Department because I was unable to reach her or hear back from her. I was assured the problem was being worked on but that the department that investigated had not completed the task. On XX/XX/XXXX I called Manager of Escalation Department again and I was told again that the department was behind in correcting problems. She promised to get back to me as soon as she heard problem corrected. It is now XX/XX/XXXX and there has been no corrections, updates, communications from the department, but there have been additional misapplications of payments.
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2018-04-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was asked to send my email address to receive tickets to an event and upon receiving the tickets I would send payment. However payment was taken from my account via XXXX and my bank will not reimburse me for the stolen money.
Company Response:
State: IL
Zip: 611XX
Submitted Via: Web
Date Sent: 2018-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: They keep calling saying PNC BANK regarding XXXX app approved. Ask to call back XXXX XXXX to verify. I called back and asked them to stop calling and remove me I didb't apply for a loan. They keep calling.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2018-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-17
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Person you dealt with : PNC XXXX XXXX Branch Office Rep Description of complaint : Went to branch office to make deposit on XX/XX/2018. Was asked how I liked PNC 's reward points program. I explained that I wasn't aware of the program. The representative began to explain the program and how it worked. I asked how many points did I have. He explained that he could not see that information on his screen. He proceeded to give me the phone number to the PNC department who could give my accumulated points total. I called several days later and was told about the program. I thought that was the end of it, until I received a notice from PNC bank declining approval of a credit card. I NEVER APPLIED FOR A CREDIT CARD. I immediately called the phone number listed on the form to ask for additional information. I told the story to the representative. I have since received a call and email from a PNC representative investigating the matter. This is of utmost concern to me, as I feel that I have been violated. Also, the inquiry made by PNC is noted on my credit report. I am actively seeking employment and background checks ( which include credit checks ) is part of the process. This unauthorized inquiry will have negative consequences due to no fault of my own.
Company Response:
State: OH
Zip: 44112
Submitted Via: Web
Date Sent: 2018-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: NOTE : This is a CHALLENGE as I am NOT DISPUTING. I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim. Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance. The items attached are non-compliant as per the FCRA and CROA requirements!
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-17
Issue: Fraud or scam
Subissue:
Consumer Complaint: I sent money to an individual through the XXXX app which is partnered with my bank, PNC. I was scammed and the item I paid for was not provided and the individual has since disappeared. I filed a dispute with my bank and after 2 weeks they said there is nothing they can do about it. I have spoke to several reps at PNC Bank and was even transferred to the escalation department and was still told oh well we cant refund your money because you initiated the transaction.
Company Response:
State: KY
Zip: 40241
Submitted Via: Web
Date Sent: 2018-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A