Date Received: 2018-04-04
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I've financed a car with PNC Bank for 5 years now. This year the car was scheduled to be paid off. Being in XXXX Florida I was affected by Hurricane Irma in XX/XX/XXXX. PNC Bank and FEMA partnered together on a program to offer their clients within the specified disaster area a way to assist them with any hardships the Hurricane may have caused. I was enrolled in this program which included a 2 month extension to assist me during this time. I do not recall filling out any documentation for this program, and I could imagine there was a good amount of people who were affected. After I made the next payment that was due on XX/XX/XXXX, I was told by one of the service reps at the bank in XX/XX/XXXX that I qualified for an additional 2 month extension. I was offered a 1 month extension by the service rep at PNC Bank. Then she mentioned that I actually qualify for another 2 month extension and if I wanted to enroll. I accepted her offer for the XX/XX/XXXX and XX/XX/XXXX extensions. At this point I thought the bank was going above and beyond to assist me and provide extra support. I was never told by the rep that their offer to me was not approved and that there was a chance it being rejected. I did not make my XX/XX/XXXX and XX/XX/XXXX monthly payments due to the fact that I was being offered the two month extension. On XX/XX/XXXX I heard a loud noise outside my window of my condo and there was a tow truck repo taking my car. I wasn't given any call prior to this explaining the Bank made an error with providing the extensions to me and if I was able to make the XX/XX/XXXX and XX/XX/XXXX payment. I was told by the bank after the fact that I didn't qualify for the 2 month extension because I was over my payment extension limit for the life of the finance. But I did still qualify for a 1 month extension. This mistake on the Bank 's part should have not resulted in the repo of my car. If I was given the right information or notice about this I would have made the payment so that the bank wouldn't have taken my car. I was told after the fact the bank sent out a denial letter. During the month of XX/XX/XXXX I moved to a new place and never received the letter in the mail.
Company Response:
State: FL
Zip: 33071
Submitted Via: Web
Date Sent: 2018-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-04
Issue: Credit monitoring or identity theft protection services
Subissue: Received unwanted marketing or advertising
Consumer Complaint: Last year pnc bank receive the money I paid when my account was Overdrawn & I have paid them to reopen my account & I had a Issue where I was robbed and my bank cards was stolen and they charge my card and I reported it stolen as I was charge for nothing but it seems thats i cant bank with them and they are impacting my credit scores, along with other fraudulent companies
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2018-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-04
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: On XX/XX/XXXX my partner and I went into XXXX XXXX and purchased a used car. They let us leave with it. I started calling XXXX about a week later asking about the tags, heard nothing back. Started calling and messaging two weeks later and they said the loan might now have gone through yet didnt give an option to bring the car back. I was asking for answers and explanations. Then on XX/XX/XXXX I went up to the XXXX dealership, again not offering any solution other than telling me that I had to sign the contracts alone because of my co-signer. This was almost a month apart due to credit and the loan. I even had mentioned bringing the car back and that was skipped over as if it wasnt a possibility. Circumstances have changed and I can not solely afford the car by myself and my partner and I split up. I have called the back, PNC, multiple times explaining the situation and asking for a loan extension or some sort of reprieve. I was originally supposed to be signing for my credit and my partner was the one providing pay stubs and pay for it. The bank has refused to work with me after wanting to speak to a manger I was told it could take up to theee days just to get a callback. I am appalled at how both companies have conducted themselves and the more I look for answers to keep my credit in tact and figure this out, the deeper in the hole I go with no solution of how to get out.
Company Response:
State: NC
Zip: 288XX
Submitted Via: Web
Date Sent: 2018-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-04
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: In XX/XX/XXXX, I hired a contractor to do some work on a property that I owned. This contractor gave me a quote for almost {$12000.00} to do a variety of things. We paid him half, or {$6000.00}. The contractor, over the proceeding months, did no work, stalled a dozen times, had us pay additionally for materials under the guise of starting the work, and we finally fired him in XX/XX/XXXX. We hired another contractor for what money we had left for the project in XX/XX/XXXX to complete the most urgent repairs. We then disputed the {$6000.00} for services NOT rendered with PNC, and at this point, the most urgent repairs are already completed, which PNC does not seem to understand. Over the last few months, we have given PNC everything that they have asked for to get the {$6000.00} back, only to be told a different thing by a different person every time that I call. Earlier in this debacle, we were given an incorrect case # and documents were faxed to the wrong number, and the case was closed. The last time that I spoke to the woman who was in charge of our dispute, she said I needed a statement by the contractor stating what he did, and the condition of the house when he did the work. I provided this, only to get a denial letter two weeks later. I had called to inquire about the dispute, only to be told that they needed some completely different document to be signed by the contractor, which was not told to me before. I have called there more time than I can count. I have been told so many different things I don't know how else to resolve this. I sent them emails where the contractor admitted to not doing any work, text messages, receipts, statements, estimates, - every piece of well-documented proof that shows this man took our money and did NOTHING. PNC refuses to give accurate information so we can provide the myriad of documents that they are requesting. I think the heart of the issue lies in that they believe we are disputing work that we paid for that had to be redone ; the issue is we paid for work, and NOTHING was done. PNC needs to give us accurate information and resolve this dispute. We do not owe the {$6000.00} that we paid, as the contractor broke his contract and did nothing. We have given PNC all the documentation to support this, including the contractor, XXXX XXXX, admitting that he did nothing, admitted that he owed us, and was asking if we are going to sue him. This needs to be resolved now. Dispute # XXXX
Company Response:
State: PA
Zip: 19018
Submitted Via: Web
Date Sent: 2018-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-03
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: This complaint is in connection with an ongoing issue dealing with PNC Bank..The original complaint was filed in XX/XX/XXXX and is part of my CFPB profile and there was no resolution reached because the bank wanted to blame the merchant and the problem was not with the merchant, the problem was the banks fault. PNC Bank took it upon themselves to break the law and allow a debit card transaction to be made on an account that didnt have any overdraft protection meaning that there was not supposed to be a charge even made if it was insufficient funds in the account which was the case. But because I have two accounts with PNC and one of the accounts had funds in it, PNC took it upon themselves to allow the charge to come through and labeled it as a " recurring '' charge and mysteriously when I contact the bank about this problem in XX/XX/XXXX nobody at the bank could explain why the charge was allowed to come through and nobody knew who labeled it as a recurring charge. I got absolutely no clear answers and was only told that they would investigate. Any legal expert would see this as out right fraud and it is at my expense. Because since then the merchant that PNC Bank allowed the charge to come through for has not charged my account in any month since which proves that it was not a month-to-month charge and it was not recurring ... PNC Bank decided in their favor to allow the charge to come through and Justified it by labeling it as a month to month recurring charge which gives them the option of charging an overdraft fee, which is their obvious goal.. No bank has a right to break federal laws to justify overdraft charges and since all bank accounts that are opened in the United States have a default of opting out of overdraft protection, banks are using every underhanded tactic that they can find to justify overdraft charges, so it really doesn't matter if you opt in or out because the banks are going to do what they want to do in their favor 2 make money, and in my words rip off consumers. The " recurring '' charge was just a pathetic reason to charge my account for an overdraft fee and my mother 's account has been charged similarly and continuously overdrafted for anything that the bank deems necessary to charge an overdraft fee for. PNC Bank is Shameless and uncouth in its outright unethical practices of ripping consumers off.. Recently, PNC Bank concluded their investigation of the complaint that I originally filed in XX/XX/XXXX.. As of today XX/XX/XXXX, I was checking my bank account and not only did PNC remove the " provisional credit '' and charged me back for the original amount that was illegally allowed to be charged to my account but they also charged all of the overdraft fees back to my account.. I have advised the PNC representative that I talked to this afternoon that I will not be paying those fees ... The reason i was given for the denial in my complaint is PNC said that I did not complete the questionnaire for the charge that came through that was against the merchant. I advised them from day one that the merchant was not the issue, the issue was PNC allowing a charge to come through when it shouldn't have come through. It wasn't the first time that XXXX attempted to debit my account when it had insufficient funds and I always got a bill in the mail from XXXX because my debit card could not be charged and I paid the bill with another credit card.. But on this particular occasion, PNC decided they would allow to charge to come through and an overdraft fee was incurred because of that. It was obvious that someone had to manually allow this charge and label it as " recurring '' since the same thing had happened many times in the past with my XXXX account but the difference before was that the bank never honored the charge if the account had insufficient funds and this time they allowed it and labeled it as a recurring charge..And during my original complaint in XX/XX/XXXX, PNC Bank continued to allow a continuous overdraft fee to be charged to my account every single day. PNC Bank is just like most other banks, they are not concerned with consumers Financial well-being, they are concerned with making as much money as possible from consumers with these bogus fees which in my opinion is theft but they have it written up as a fee because this is how they make these billions of dollars that they are accustomed to bringing in every month. So I will be changing my Banks and I won't advise anyone to deal with PNC Bank because their practices are unethical, especially with the way they have treated my mom 's account and now mine..Just like XXXX XXXX XXXX illegally charged my mom overdraft fees and ultimately was forced to reverse every one of them after my mom complained thru CFPB, I believe PNC does the exact same thing ... I believe PNC and pretty much every other bank exploits and takes advantage of senior citizens because my mom is a senior and she has overdraft charges regularly from PNC Bank just as ahe did with XXXX XXXX XXXX which was found to be fraudulent in theor overdraft charges against my mom. And with PNC its even worse because she's always charged a continuous overdraft fee starting with the first day that her account becomea negative. With most other checking accounts, it was 5 days later that the continuous overdraft fee starts.. But in my mom 's case continuous OD fee starts with day one ... What they are concerned with is making as much money off of these accounts as possible. And it's pathetic.more people needs to read this and other complaints about these Ungodly banks and their unethical practices of making money ... I think it's also worth mentioning that if I didnt live with my mother to help her with financial obligations, she'd be in a world of trouble due to PNC Bank continuing to overdraft her account which is also opted out of Overdraft protection ... .GO Figure ...
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-02
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: We opened this account because it was not suppose to have overdraft option after having another account. If an item tried to post and the funds were low, PNC was suppose to reject the payment. However, over the years, they have apparently changed our account and now we are being charge overdraft fees AND some " continuous overdraft fee ''. We have spoken to PNC many times regarding this issue to no avail. We NEVER agreed to these charges and was told they would not happen. That has not been the case since having the account. We would like to see PNC refund or delete all charges.
Company Response:
State: TX
Zip: 75050
Submitted Via: Web
Date Sent: 2018-04-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage was purchased by PNC Bank. I tried to pay extra money directly to the principal of my mortgage. I wasnt able to pay without a checking account with the bank or process which required extra fees. When I contacted the bank they told me to mail in a check. What kind of national bank does not have the option to electronically pay?
Company Response:
State: WA
Zip: 98021
Submitted Via: Web
Date Sent: 2018-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have been a PNC customer for 15 years. I am really disappointed with the service and charges on the Bank Credit card. I set up a paperless account to save you money and also kept alerts on my account so I could be notified by text and/or email. I received a letter in XX/XX/XXXX saying that my account passed the limit credit so I paid off the remaining balance. I made sure it was paid in full and that no future interest was posted on the card. I set the card aside because I didnt want to use it unless it was absolutely necessary. A couple months later I contacted the bank to inform them that I was going to be outside of the U.S. and that I may be using the card. The automatic voice message said that my account was delinquent. I immediately tried to contact the bank from the cruise ship. They kept me on hold forever so eventually I hung up. I was so upset that I sent a message to PNC through the Fraud contact email confirming that I was outside of the Country I had no idea what was going on with my card because I had not used it at all. I said to put everything on hold until I return to the United States. When I returned I called the bank and I was informed that a charge was made on my account, and the bank was charging me {$38.00} late fee, every month that they did not receive the payment. THE BANK NEVER INFORMED ABOUT THE CHARGE IN MY ACCOUNT SO I COULD TAKE CARE OF IT. I have always paid at least the minimum due ( by phone ) every month. After paying it off, doesnt the bank realize that if a charge is put on my account ( after PAYING IT OFF ) the bank does not realize that they should notify the customer if the charge is not paid? Isnt it obvious that if the customer paid off the card and a new charge comes in ( and the customer who always paid on time ) and the customer doesnt pay anything, shouldnt the bank communicate to the customer? Then to make it worse, the bank continues to charge late fees to my account. Shouldnt the bank realize that when the customer has paid off their card and a new charge hits the account and is not paid on the due date.obviously the customer does not know about the new charge? What kind of relationship and respect is that? The bank doesnt inform the client and continues billing late fees WITHOUT NOTIFYING THE CUSTOMER EVER? If the bank had notified me of the charge I could have paid it and then contacted the company regarding the charge. Does it make any sense to pay more in late fees than the charge itself? Of course not. I have contacted multiple people at your bank who just pass the buck and will not take ownership of the issue. They have all been worthless with the exception of one employee. One of your supervisors actually said to me ( sarcastically ) Its not our fault if you dont check your statement! Why would I if I had paid it off and the card was being used at all? XXXX claimed that the bank did not send me any letter because I signed up for paperless ( to save the bank money ) but I DID ASK THE BANK TO NOTIFY ME BY EMAIL or TEXT MESSAGES. Besides, the bank DID SEND ME A LETTER in XX/XX/XXXX saying my account was over my limit. ( before I paid off the card ) Interesting that you can inform your customer ( by letter ) stating that my account is over the limit by {$29.00} but you CAN NOT inform the customer THAT THERE IS AN UNPAID CHARGE on an account THAT HAS BEEN PAID OFF? So the bank will only communicate when its in their interest? ... and not in the customers interest? Instead of protecting the customers assets, you use this as an opportunity to take advantage of the customers assets. So your bank lets the client be considered delinquent because they want to take advantage of the situation by charging late fees? This is unacceptable. I have communicated with several representatives of PNC Bank ( including XXXX at Executive Relations ) and XXXX XXXX ( Executive Claim Relations ). I have spoken to XXXX several times and all she says is that she is not going to refund what the bank charged me ( because OF THEIR OWN MISTAKE ) and she said that I need to prove that the bank informed me that the minimum payment due was {$35.00} and that the manager agreed with me on the phone. I have always paid by phone and I have a CLEAR RECORDED MESSAGE stating that my MINIMUM DUE IS {$35.00}. I have a credit limit of {$2000.00} and the bank has ALWAYS ACCEPTED the minimum payment due. I just didnt pay the total amount ( {$70.00} ) because I was expecting the bank to refund all of the wrong charges and fees. The manager on the phone agreed with me that I should just pay the minimum ( until the bank fixed the situation ). Even though I PAID FOUR DAYS PRIOR to the due date PNC still CHARGED ME A LATE FEE! Because I havent received any call back from XXXX, I went in person to the XXXX XXXX, Florida Branch. I spoke with the Manager and XXXX. Then XXXX informed me that I had another late fee in the account and he said he didnt know why? Because according to the computer I had paid four days before the due date. He could not explain that. He said he would help me with the case escalating it to someone else. I asked who? ... XXXX department? Forget itshe is worthless! And he assured me that he would send it to a department above her. I have been a loyal customer. The bank never informed me about the charge after I PAID THE CARD OFF. The Bank should have let me know about the new charges on my account ( it was a renewal that I didnt know they would charge on my card ). I dont have a crystal ball and I thought I was dealing with a renowned financial institution. I guess not. XXXX was the only person that was respectful and gave me good customer service. He worried about the banks reputation when nobody else did. He told me that people will call me but they have not. Instead, I get a call from worthless XXXX stating that the bank is not going to refund anything. I need this fixed. It is not fair for the bank to charge me for these fees. The bank does not honor one word on the phone and they refuse to provide an email where we can state things in writing. Obviously, the bank does not want to take ownership of their fraudulent charges and honor what they say to the customer. The bank should apologize for all the inconveniences they have caused me instead of blaming me and taking more money from my account. Because the bank refuses to do what is right I have filed a complaint against the bank. On XX/XX/XXXX I had to pay the balance in my account ( NOT THE MINIMUM PAYMENT which is CLEARLY STATED ON THE RECORDING ) PLUS I have to pay these disrespectful LATE FEES to prevent the bank from taking even more money from my account. By the way, XXXX also said that I need to CLOSE the credit card account. Really? It will affect my credit score plus I want the money the bank unjustly took from me credited back to my card. This is the worst customer service/management I have ever seen in my entire life. So now, after paying the balance I am exposed to UNKNOWN CHARGES on my account. To avoid this I am using this letter to notify PNC Bank that I DO NOT WANT ANY MORE CHARGES on my credit card. I want my card to be blocked from any future charges unless I send a signed certified letter stating otherwise. With all the fraud going on out there, how can I trust the bank? I cant. The bank has done nothing to protect me, their customer. On the contrary, the bank took advantage of the situation by taking even more money from me. This is not about the dollar amount that was taken from me. Its about the principal of the matter. There are many customers complaining about your bank about similar situations. Why does the banks recorded message tell you to pay a different amount then what is stated online? As I mentioned, I have PNC Banks recording before the bank tried to change it. So, to avoid the bank from stealing even more late fees from me, I will go online and pay whatever it states there. Because it contradicts your own phone message. I am not sure what your managers are doing there, but all they did was to give me wrong information and treat me disrespectfully and careless. By the way ( when I went to your XXXX XXXX, Florida branch ) I asked XXXX to just sign a copy of a letter asking to block the card from any future charges, but his manager said they can not do that. What? Not even sign the copy of my letter stating they received it? This is unacceptable. I understand XXXX situation. His boss doesnt want to take responsibility for it. I was just trying to make sure they would send it to the right department so the bank CAN NOT CLAIM THAT THEY WERE NOT INFORMED about my request. Its pretty clear that your bank can not be trusted. So again I want you to use this letter as my authorization to block any future charges on my PNC credit card. As I mentioned to the various managers ( and representatives of PNC Bank ) I will be filing a complaint with the Consumer Financial Protection Bureau against PNC Bank. I want to prevent others from the financial abuse that your bank projects on its customers. Its my responsibility to do so. In conclusion, 1. I am waiting for the bank to do what is right and refund all of the fees ( incl. interest ) 2. Block my card from any future charges unless the bank receives a certified letter from me. 3. I am not closing my account because it will negatively affect my XXXXredit score. 4. I do not want the account to be used for ANY PURCHASES or charges of ANY KIND. 5. The card is going to be set aside and will not be used by me. 6. The bank will be responsible for allowing ANY charges on my account. I have recorded message I can send you if you need it.
Company Response:
State: FL
Zip: 32807
Submitted Via: Web
Date Sent: 2018-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-31
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I went to PNC bank on XX/XX/2018 to withdrawal {$500.00} the teller was busy at the time with other things..then she told me there was only {$44.00} left. I said that was impossible. and she told me to move on. checking with my XXXX XXXX account it shows PNC bank is " pending '' to take out {$500.00} thrus showing only a {$44.00} balance. when I went back to the bank on friday the same teller told me to leave. I tried to speak to a Manager and they were to busy.. I would like my {$500.00} released asap thank you
Company Response:
State: OH
Zip: 44870
Submitted Via: Web
Date Sent: 2018-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-30
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have copied below previous complaints submitted. XXXX XXXX from PNC Bank requested that I provide a note from my mother 's doctor stating she was incapable of handling her affairs. I have complied with PNC Bank 's request and provided a note from my mother 's doctor, XXXX XXXX. I also provided several pages of medical records and notes from XXXX ( XXXX ) and XXXX XXXX XXXX ( the 24/7 home care ) indicating my mother was incompetent and unable to communicate. Obviously, my mother could not drive, therefore, the only person who could have taken my mother to the bank ( the day after I left North Carolina ) was my brother, XXXX XXXX. This was on XX/XX/XXXX. My mother 's account was set up as payable upon death ( POD ) in my name, XXXX XXXX XXXX, XXXX. Therefore, my brother took her to the bank on XX/XX/XXXX, the day after I returned to Nevada, per the cancelled check and had PNC close the account. My mother could not communicate, therefore, my brother would have been the only one to 'talk ' to a bank representative as she was unable to speak, write, read, etc. He had no authorization. How he could convince PNC to close my mom 's account is beyond comprehension. There are elder abuse laws regarding financial exploitation and PNC should have been suspicious being that my mom could not communicate to them. They should have called authorities immediately. That did not happen. PNC issued a Cashier 's Check in excess of {$17000.00} and there is no record of where that money went. We do know it didn't go into any of my mother 's accounts. As I was the beneficiary on this account it should have been paid to me upon my mother 's death on XX/XX/XXXX. PNC Bank needs to reimburse me for their error and they can go after my brother for his wrong doing if they choose. All the back-up information has been previously sent in the following complaints : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. I complied with PNC Bank 's demands and have lived up to my responsibility in this matter. It is time they do the same.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A