Date Received: 2018-04-10
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: My complaint is with XXXX XXXX XXXX On 4XX/XX/XXXX at XXXX XXXX, I went to the bank to cover my overdraft that came in on XX/XX/XXXX. PNC 's policy is if a check comes in on the day, you have until XXXX XXXX to get the money into your bank account, which as I stated, I made my deposit at XXXX XXXX. When I made my deposit, I was {$0.00} cents overdrawn, however, PNC would be able to get the {$0.00} cents from my checking account as I have overdraft protection. When I looked at my balance, it stated I was ONLY {$0.00} overdrawn and I also called on the telephone to check my balance at XXXX XXXX, the telephone banker reported that I was {$0.00} overdrawn. Again, they could pull the {$0.00} from my OD protection account. As far as I could tell, my account was OK. Today, XX/XX/XXXX, when I checked my balance, and to my surprise, I am charged with a OD charge of {$36.00}. There was no indication that anything else was pending in my account. If so, I would have put that money into my account to avoid an OD charge. That is why I was at the bank last night to avoid an OD charge, however, this morning, my account is showing a {$35.00} amount that was not showing last night. PNC does this all the time. Why is it that that XXXX was not showing up when I went to the bank last night at XXXX XXXX. This bank does things like this all the time. Apparently, this amount must have came from my debit card. Again, had that XXXX been pending last night at XXXX XXXX, I would have paid that too. I had the money to put in the bank, however, again, my account was ONLY {$0.00} overdrawn. PNC is a bank that likes to take fees. I would like to have my XXXX because last night, I satisfied my account and anything else that showed up, showed up on the next day, because again, last night, I was ONLY {$0.00} OVERDRAWN and as far as I know, the bank should not charge you an overdraft fee for less than {$1.00}. I have my PNC deposit receipt from XX/XX/XXXX at XXXX XXXX and again, it does not state any {$35.00} charge, had it, I would have put that in my account. Again, I would like PNC to return my {$36.00}, as they hid the {$35.00}. Again, the {$35.00} did not show as outstanding in my checking account last night.
Company Response:
State: PA
Zip: 19406
Submitted Via: Web
Date Sent: 2018-04-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-08
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have been having an ongoing problem with Pnc concerning a lease buyout dating back to XX/XX/2018. I have filed a complaint with the CFPB which was eventually taken care of thanks to you ; however, since then new problems have arose. In XX/XX/2018, Pnc has said that I did not make a payment for the loan. The payment is autopay from my checking account. I was not informed of this till late XX/XX/2018. In XXXX, I was double billed @ {$450.00} ea. When I called they reversed out 1 payment @ {$450.00}. Still charging me an additional {$450.00}. Then a series of late fees ensued @ XXXX. Ea. @ XXXX ( I have lost count ). To complicate things, I was XXXX from work from XX/XX/2018 to XX/XX/2018. I was able to pay XXXX payment. In XX/XX/2018 I was billed for 2 payments again, $ XXXX.ea. It was then that I was informed that a payment was never taken out in XX/XX/2018. The payments escalated to {$950.00}. I called their XXXX # to inquire on this XX/XX/2018 and talked with XXXX XXXX concerning the account, who was very helpful. I had attempted to close my checking account 3 times prior, only to have my checking account go from " {$0.00} '' balance to @ - {$140.00} due to overdraft fees. She took care of all the overdraft fees and left my account to a + {$61.00}. She mailed me the check. She then closed my checking account, after 4 attempts on my part. I informed her I had 2 autopay accounts and I would need payment books or paper billing to continue making payments on 2 loans, 1 auto and 1 personal unsecured. I was transferred to the loan dept and talked with XXXX. She gave me the account # s, so if the paper billing did not arrive I would put the account # s on check to make payments. She also gave me payment amounts of {$420.00} auto due XXXX and {$170.00} personal due the XXXX. She then transferred me to XXXX ( spelling? ) In the deferrment department. I was transferred there because of the work status XXXX issue. I was told that Pnc has a provision with their loans to defer loans 2 months in a 12 month period for personal issues which my 2 month XXXX falls into. I had the money to pay that day for {$450.00} but according to XXXX, it was no problem to make payment XX/XX/2018 for {$450.00}. The additional money would go on the regular payment date. Approximately 2 weeks later I received a letter from Pnc that they were not going to honor that conversation, and now my payment is late. Now the payment is + {$950.00} due immediately or I was in default. I received notice from a credit monitoring company today that my credit score has dropped +120 points because of this issue. I believe that Pnc is " bullying '' me. They have changed the amount of my payment to {$450.00} from {$420.00} monthly and even higher other months. I have been offered an unsecured loan of 5.99 apr from XXXX, my new bank but fear that this " reported '' non payment will jeoprodize this. I want to severe all ties with Pnc but these " harrassments '' will NOT stop. Please help ... XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX PHONE # XXXX. I am unable to take calls from XXXX. Please leave message. Email : XXXX Thank you for any assistance you can provide. Any paperwork I have is available upon request.
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2018-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-07
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: Organizations that want to do business with the U.S. federal government, and their state and local agents, such as XXXX XXXX Community Development, must have a System for Award Management ( SAM ) number to apply for federal grants and/or contracts. Although acquiring a SAM number is free, the application process can be cumbersome. In addition to a taxpayer identification name and number, XXXX XXXX XXXX number, and IRS review, organizations must have a bank account and routing number. Last XX/XX/XXXX, I was completing a SAM application for XXXX XXXX, the community development arm of Metropolitan XXXX XXXX XXXX XXXX XXXX XXXX, when I decided to search low-cost offers for small business banking. When I checked online, PNC, which has a branch less than a mile away, popped up. Great news, I thought. The ad read : Earn up to {$300.00} [ 1 ] when you open a qualifying PNC business checking account by XX/XX/18. Then I read the smaller print. Is your business located in zip code XXXX? If not, tell us the zip code where your business is located and well connect you with the offer available in your area : In the box below, I entered the XXXX and pressed Go to Offer. What message did I receive? Your business is located outside of PNCs servicing area. There are no offers available. '' An invitation for businesses in XXXX generated the same response when XXXX was identified as the location.The explanation in footnote [ 1 ] : Offer only available in select PNC Bank branch locations and only to businesses with an annual revenue less than {$5.00} million. " Outside the banks service area. '' What does that mean? What small businesses meet PNC 's criteria better than those in XXXX and XXXX? Both zip codes are in the heart of XXXX XXXX, and are populated with small businesses. Incidently, they are among the most racially and ethnically diverse areas in the city. Do households in XXXX and XXXX have sufficient incomes for PNC to accept deposits, but not sufficient not enough to do business with them? Not enough to ease the way for them to apply for federal grants and contracts? If PNC were the only bank in town, where would small businesses in those zip codes get bank accounts? Offended, I decided not to seek answers to those questions, but to do business elsewhere. Thank goodness for good and honest and community banking. Where PNC drew a red line, XXXX Bank rolled out the red carpet.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-07
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I pursued getting an " undocumented '' personal loan for $ XXXX on XX/XX/XXXX to get my company through XXXX 's day and was deceived by the loan officer, XXXX XXXX at the XXXX, IL PNC Branch, knowing that time was critical to get this loan approved and done well before the end of the month. Not only did I not get approved for this " slam dunk '' loan, it also cost me my XXXX XXXX dollar company dissolved on XX/XX/XXXX. Please see the attachments for full disclosure of what happened.
Company Response:
State: IL
Zip: 60124
Submitted Via: Web
Date Sent: 2018-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have had a PNC HELOC line of credit and loan since XX/XX/XXXX. Per the terms of the loan, payments are automatically withdrawn from my PNC checking account monthly around the XX/XX/XXXX of each month. Per the terms of my loan, the automatic payment withdrawal program entitles me to a .25 % interest rate reduction. However, since XX/XX/XXXX, PNC has been intentionally misapplying my additional principal payments and not automatically withdrawing my normal monthly payments in order to benefit themselves with more interest and prevent me from paying down the loan faster. Their failure to correct the problem since XX/XX/XXXX ( despite numerous phone calls and online disputes of payments ) has resulted in me paying additional interest that otherwise would not have occurred had they correctly applied the payments or corrected the problem in a timely manner. As you can see from the attached statements, on XX/XX/XXXX, I made an additional principal payment of {$500.00} that was initially applied to principal, then reversed to be applied as a normal payment ( principal and interest ). This caused the normal XX/XX/XXXX payment to not be automatically withdrawn and I had to make the payment manually on XX/XX/XXXX which was again applied as a normal payment ( principle and interest ).
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Debt Collection company failed to validate to truth of the debt before acceptance this matter has been disputed the third party collection agency failed to honor the dispute
Company Response:
State: NJ
Zip: 08080
Submitted Via: Web
Date Sent: 2018-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: MY CHECKING ACCOUNT today, XX/XX/2018, # XXXX, had a small ACH deposit. This was the ONLY account activity during the last two ( 2 ) days. however, the online screen reflected {$0.00} available balnce -- the availabel balance should have effectively been {$1000.00}. in telehone conversations with PNC Bank ( including XXXX XXXX, Supersivor ), NOYHING is being rectified -- he pointedly said there is some type of unexplained Hold on the account and will NOT remove it. i AM STILL " ON HOLD '' ON THE TELPHONE WITH HIM VERY UNACCEPTABLE AND ILLEGAL BEHAVIOR!!
Company Response:
State: FL
Zip: 33418
Submitted Via: Web
Date Sent: 2018-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: PNC Bank has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response:
State: NJ
Zip: 08865
Submitted Via: Web
Date Sent: 2018-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-05
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: Our Bank, PNC Bank,XXXX XXXX XXXX XXXX XXXX OH, has been waiting 15 to 20 days from the time our bills are paid, to the time they actually pay them. We found this out through the electric company, water, and cable services we pay on a monthly basis. This has been happening starting in XX/XX/XXXX, and going through XX/XX/XXXX. One such delay caused our water services to be disconnected. THEN they said we were {$160.00} dollars overdraft, and charged us an additional {$300.00} in fees!!!! The date the fees were imposed was XX/XX/XXXX. We have no written documentation yet on these fees - the were just taken out of a deposited check on this day. Something is VERY shady here.
Company Response:
State: OH
Zip: 45044
Submitted Via: Web
Date Sent: 2018-04-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I have been filling out credit card applications at this financial institution numbers of times. I have been recently denied a cash builders credit card by this bank that i have bank Accounts with and been conducting business with this bank financial and credit card Institution for many years. i feel that i have been a valued customer or client with them And feel that i am being treated unfairly, i deserve the right to be granted trust like any other Person or consumer of this bank. my credit score is good, all debts are paid or satisfied There are no issues with financial companies.please do a complete investigation for Discrimination issues and to be certain that i am being treated equally and to avoid future Complaints or disputes with the banks financial institution or who's involved with the Approval of credit card applications.Thank You Sincerely.XXXX XXXX.P N C Bank Customer.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2018-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A