Date Received: 2018-03-30
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: XXXX XXXX XXXX, tried to refinance my home without my knowledge and without my authorization. He said XXXX XXXX said I agreed to that. They came out and did an appraisal on the home without my authorization. XXXX XXXX used a card that was removed from her, and cancelled to charge the {$520.00} fee. I informed XXXX XXXX that XXXX XXXX and I are getting a divorced and that she has no authorization to use cards that are solely issued to me and only me and that they need to remove the charge and go through her to get the payment as I would not like to be charged for some service I did not want. He also told me I needed to take my home of the market during the hottest spring season to date. I said I will not as we have many buyers looking to purchase this home. I have a transcript of XXXX XXXX telling his underwriters to remove me from the home.
Company Response:
State: IL
Zip: 60046
Submitted Via: Web
Date Sent: 2018-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Asked PNC bank to stop contacting after XXXX of our mother. They containually contacted her to the point of her becomming upset. She had contacted them regarding this debt to come and take her residence. They were not interested at the time. She then had to go to a XXXX XXXX. She could not pay for this home & PNC/XXXX XXXX was notified ( at the same time ). They had someone come out and were not interested. Our mother XXXX over a year ago. She had another XXXX after recieving another notice from PNC bank when we had asked them to stop these notices several times. She was XXXX years old and had been in a XXXX XXXX. She then XXXX XXXX from this XXXX. We filed complaint after complaint about this as now they are harassing us. She was living on assistance when she XXXX and there were No assets. The property in question was offered to PNC. They were not interested and wanted her to pay the balance. She could not. She became very ill, we think from ongoing harassment from PNC. She was consumed with medical issues and could not pay her property taxes at said property. The county seized her home after she was admitted into the ER and hospitalization. This was several years ago. Our mother was continually contacted by PNC after we continually tried to work with them to stop harassing her and help. They were not interested in only her paying the balance. She was very ill & elderly.She since has XXXX from a XXXX. Her second one shortly after reading letters from PNC. We sent them the certified XXXX XXXX. We asked them to leave us alone in our time of grief. They continue and now address the correspondence to " To the estate ''. There is no estate. She was a widow with no assets. ALL of her funds went to her medical care as did ours. She had XXXX XXXX in the last couple of years after she would read these notices from PNC even though we had asked then to cease communication.
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2018-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is THIRD complaint since PNC Mortgage does not seem to understand the unfair and illegal practices. My mortgage was bought by PNC from another company. Since that time it is been my worst nightmare. I have paid all payments on time through auto pay with my bank. Since the time of purchasing this home, it has required complete renovation due to the condition of the home when purchased. Because of this need, my loan was set up such that it required PMI. With PMI comes the escrow requirement. After allowing my insurance to lapse because they did not communicate with the insurance company during the hurricane, it took my footwork, etc to correct the problem. Since that incident, my insurance will no longer be paid through the escrow. A document was sent on XX/XX/XXXX indicating PNC will no longer pay the insurance. In addition, requested having the PMI and escrow removed. PNC insists because of the XX/XX/20 rule they can not remove the PMI and escrow. Because of their insistence, I ordered an appraisal costing over {$400.00}. It was provided to PNC proving the value was significantly higher and therefore PMI and escrow should be removed. Now they are saying despite them holding me land locked, now they will order an appraisal but I will be required to pay {$500.00}. They will not accept the appraisal which already proves the issue yet would not order one until I paid to prove they were incorrect. With all that, they are saying I owe higher payments for escrow despite insurance will no longer be paid, taxes went down because home is now homestead and value was proven higher. PNC actually owes my money back due to excess escrow for insurance. This is a shortened version, this does not include the lost payments, unable to take " partial '' payments so good luck paying off a loan early with any variance to your payments. PNC should be investigated including governmental audits. The second complaint resulted in PNC contact calling me and asking for return call with best times to call. After three attempts and no return call at requested time ( which were during business hours ) the complaint was closed. the employee should be terminated.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I currently have a {$100000.00} HELOC account with PNC Bank. As of XX/XX/XXXX, my balance owed was {$83000.00}. I made {$55000.00} in payments spread across a few payment dates of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. PNC, during a computer system update, appears to have lost all of those payments. They do show them as being made, but then they reverse them a few times so I end up owing {$83000.00} as of XX/XX/XXXX and throughout the entire month of XX/XX/XXXX. So the issues I have with PNC Bank are : 1 ) They posted, but then reversed, {$55000.00} of my payments made over the last month. Therefore, they have " lost '' over $ 55k of my money. This is a concern. 2 ) The XX/XX/XXXX statement that they sent me indicates that in addition to the above incorrectly-lost principle that they say I still owe, I also owe the following : {$470.00} past due from my XX/XX/XXXXstatement ( a payment I obviously already made ) which included both interest and principal amounts, a {$50.00} late fee for not paying last month, {$500.00} for my XX/XX/XXXX statement. The XX/XX/XXXXstatement of {$500.00} includes 30 days of interest on {$83000.00} ( plus 3 additional days of interest at a slightly higher amount ) which is {$240.00}. This is significant over-billing for XX/XX/XXXX's interest, approximately 3 times higher than it should be, because they never lowered the principal balance remaining on my account after my {$55000.00} in payments. 3 ) I contacted PNC approximately 4-5 times over the past month to try to fix these issues. I was told the issue was known and it would be fixed quickly. Once I received my statement on Monday, XX/XX/XXXX, I called to have my account reviewed. My account was not reviewed. I was told that the statement can not be fixed or updated until maybe next month and I owed what it said I owed, even though the PNC representative agreed that my principal should have been lower during the statement. 4 ) None of the PNC representatives, including the Escalation Team representative XXXX XXXX, was able to tell me how much I should actually pay by the XX/XX/XXXX due date other than asking me to overpay based on the incorrect statement. None were able to properly calculate a true amount owed. They asked me questions such as, " What is the interest start date on the statement you have? ". Well, why would you need to ask me that, isn't it in your records? And, your monthly statement does not actually list that date, don't you know that? ( I will attach the statement in question to this complaint. )
Company Response:
State: PA
Zip: 19348
Submitted Via: Web
Date Sent: 2018-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In late spring XX/XX/XXXX I got behind on my car payments with my PNC acct # XXXX because I had taken FMLA to take care of my terminally ill mother. PNC bank put my car up for repossession. I contacted PNC and spoke with someone named " XXXX '' ( phone number XXXX ) around theXX/XX/XXXX and came to an agreement to catch up on my payments and continue my regular $ XXXX monthly payment on the XX/XX/XXXX of each month which would be deducted from my checking account automatically. Below is a list of the transactions with amounts/dates of these automatic payments which were made directly from my checking account to PNC bank. Details Posting Date Description Amount Type CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID In the past couple of months I began monitoring my credit reports trying to rebuild my credit and noticed that PNC bank was reporting this auto loan as charged off to bad debt, even though I've technically made every payment, but not always on time. I contacted PNC to try to discuss this and they told me they can't speak to credit reports. On XX/XX/XXXX, I traded this vehicle in on a new vehicle and the finance manager told me PNC is falsely reporting my auto loan with them as late payments every month and has my debt written off as bad debt and if I hadn't been able to prove this was not the case, I would not have qualified for a new auto loan. I tried to call PNC again to discuss this while at the dealership and again they told me they don't discuss credit if I had an issue to go directly to the www.ftc.gov website. This car has now been traded in and the account paid in full.
Company Response:
State: IN
Zip: 46140
Submitted Via: Web
Date Sent: 2018-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I made a payment on XX/XX/XXXX on western union speedpay for XXXX specifying how the payment should be posted. XXXX to the principle and XXXX. They failed to post the payment stating they do not know where to apply it. I also paid XXXX on other fees. On XX/XX/XXXX. I paid my XX/XX/XXXXpayment earlier in the month, that XX/XX/XXXX payment included interest until XX/XX/XXXX. I feel as though they are doing a delay tactic to obtain additional funds in interest and are also saying I need to pay insurance which is already included in my escrow funds.this mortgage is with PNC bank who aquiried my mortgage when XXXX XXXX XXXX went out of business
Company Response:
State: PA
Zip: 19013
Submitted Via: Web
Date Sent: 2018-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-28
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I filed a dispute for two transactions I'd previously authorized to be taken. The funds authorized were to pay for my minor son 's registration fee to play in an out of state Football game. He was to travel from NJ to FL for 5 days to practice with his team, have a game and travel back home. I only spoke with his coach ( who coached him XX/XX/XXXX ) regarding this event, the fees, the entire set up. I emailed with two other people associated with XXXX XXXX regarding jersey numbers only. The day they were supposed to leave ( XX/XX/XXXX ) the coach advised he was not able to provide the transportation that we'd agreed upon and that my minor child would need to travel the 20 hours with unknown adults in order to attend the event. I declined and requested a refund of the registration fees, to which he verbally agreed shouldn't be a problem. I immediately requested a refund of the funds as I had not been advised otherwise and felt this was a breach in contract because transportation was no longer being provided. PNC bank did some type of research and declined my dispute and drafted {$150.00} out of my account today leaving it negative. I was never told that I could not have my money back, I was advised verbally that I would be fine to request a refund. The contract I entered online to make the payment was for a flag football team I have no knowledge of so even that contract was null and void as the event was not flag but instead full contact football. My son was one of two children left behind and I have text messages providing proof XXXX XXXX acting as an agent for XXXX XXXX in my eyes.
Company Response:
State: NJ
Zip: 08094
Submitted Via: Web
Date Sent: 2018-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PNC Bank in late XX/XX/XXXX did a system conversion of their Home Equity existing loans. They changed account numbers and payment addresses. I made my normal principal and interest payment in XX/XX/XXXX, but PNC applied it incorrectly as a principal only payment. I suspect it is because they were in the middle of having to move payments over to the new account, but did not properly classify the payment. I called in early XX/XX/XXXX to tell them about this problem and to ask that the payment be classified as a regular payment. They promised that they would do so, but it appears they have made a bigger mess of the payment on my account. Now, I get a call from PNC debt collector team saying he sees no payment at all since XX/XX/XXXX. I can see more online on the pnc.com website than this PNC debt collector. It appear that the XX/XX/XXXX payment allocation is still screwed up. Now, when they get my XX/XX/XXXX payment shortly, I expect it to be as screwed up in processing. I also can no longer reach anyone at PNC call center as I suspect they are getting many other angry calls about how badly they screwed up their conversion process. I have been a 100 % on-time paying customer since I got this loan in XX/XX/XXXX. The fact that PNC has been so slow to fix the problem even after I proactively called and then allow their debt collector team to erroneously call customers is unacceptable.
Company Response:
State: CA
Zip: 92882
Submitted Via: Web
Date Sent: 2018-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-26
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: PNC Bank originally started my loan process in XXXX of 2018 ... after delays and more delays, I sought help from another lender who within 10 days has already approved my loan ... the problem is PNC will not release the VA appraisal, which I have paid for, through the VA portal to my new lender and we have requested they do so on numerous occasions. ( we've sent them my new lenders VA number to be able to transfer the appraisal several times too ). For the past week they have continued to lie to me stating that they have released it in the VA portal, but when my new lender checks the VA portal it is still not there. PLEASE HELP. I AM IN RISK OF LOSING MY EARNEST MONEY DEPOSIT AND MY NEW HOME.
Company Response:
State: FL
Zip: 33707
Submitted Via: Web
Date Sent: 2018-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I received a notice from PNC Bank on XX/XX/XXXX, noting that I owed {$130.00} in " past due payments. '' If I do not pay this amount by XX/XX/XXXX, I will owe nearly {$80.00} in additional fees. There was no explanation for this " past due payment, '' and when I logged into my online account, it gave no indication that I missed any payments or owed {$130.00}. I called PNC Bank at XXXX, and they put me on hold for 45 minutes before someone spoke with me. The bank rep said he thought the amount was in error, saying that my financial product had recently gone through some kind of IT upgrade, which created a lot of similar problems with other customers. He told me I could probably ignore the problem. My problems with this are two fold : 1 ) Until PNC gives me something in writing saying that the {$130.00} payment was in error, I can't be confident that it really was. So, I have to continue to do my due diligence to make sure that what the telephone rep told me is accurate. This means following up with PNC, spending more time and energy in the days/weeks ahead. 2 ) I spend almost an entire hour on the phone with PNC today ( the vast majority of it waiting to speak with the representative ). If I have to follow up on this problem, I will have to spend an additional hour. I've already escalated the problem and am supposed to get a phone call from another rep within 24 hours. If and when a consumer makes a mistake, banks almost always charge very hefty penalty fees. But when the bank makes an error, why doesn't the bank pay a compensation fee to the customer, for lost time and energy? A bank 's ability to create these kinds of headaches for consumers with no penalty feels like a major abuse of power.
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2018-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A