Date Received: 2018-03-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I prepaid property taxes and am supposed to get a refund of escrow property tax collection from my mortgage company ( PNC ). I have contacted them several times and they have not submitted the necessary information to my local tax collector to begin the refund process.
Company Response:
State: NJ
Zip: 07470
Submitted Via: Web
Date Sent: 2018-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-17
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: Please reference previous complaint filed with XXXX XXXX XXXX, case # XXXX. The bank has issued a response dated XX/XX/XXXX. Please note the response does not address our original complaint. A summary of the previous submitted complaint : An IRA CD was taken out with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. The amount of the IRA CD was $ XXXXPNC later took over XXXX XXXX XXXX Notification was never received from PNC Bank as to the disbursement of the IRA CD. In checking with other institutions there is additional paperwork required to transfer, close this type of an account ( IRS rules for and IRA CD ). Previously PNC was contacted in an attempt to locate my money. PNC was unable to locate any records of the IRA CD. Instead PNC responded with reference to two other savings accounts. THIS IS AN IRA RETIREMENT ACCOUNT. PNC can not simply use the excuse there is no record of the account. It is incumbent of PNC to make sure there is proper paperwork for an open IRA CD. Justification would have to be made for IRS purposes to to track the location of IRA account dollars. It appears PNC " lost '' our money. Bottom line we have the paperwork it was an IRA CD. PNC should be required to produce their paperwork to justify they no longer have the money.
Company Response:
State: NE
Zip: 68123
Submitted Via: Web
Date Sent: 2018-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-17
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Used PNC 's Online Bill Pay to pay my XXXX XXXX credit card bill. In the autopay option in my PNC online bill pay, I had set up autopay and chose the option to pay " amount due '' upto {$1000.00}. It was my understanding that this would payoff the entire balance of {$450.00} on my statement from XX/XX/2017 ( since this was less than {$1000.00} ), but PNC only paid the minimum payment of {$25.00} for the last four months. This resulted in interest charges, and a negative impact on my credit score. I brought this up with PNC bank talking to two different representatives in online banking services yesterday and today, and escalated to the manager today. They all refused to admit that there was any problem whatsoever with their systems, and refused to address the impact of the error. Specifically, it is my opinion that 1 ) " Balance Due '' does not mean minimum payment and they fix their interface which I believe is misleading and erroneous. 2 ) Admit that this was a bank error and take responsibility for all interest charges from this error. 3 ) They compensate me for the negative impact on my credit score, and their mistakes. Thank you for your help in resolving this issue.
Company Response:
State: MD
Zip: 20854
Submitted Via: Web
Date Sent: 2018-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: To whom it may concern : I did not incur the debt which is indicated. The ATM machine ate my {$500.00} in cash. XXXX XXXX XXXX as well as the security guard at the PNC Bank witnessed the machine eating my cash. The bank credited my account. However, they have since rescinded the credit and applied late fees without providing any documentation. I was assured by the bank manager XXXX XXXX XXXX. That the machine would not be properly reconciled on XX/XX/13 and that I would not have a problem. However, since then they have billed me for {$500.00} which they owed me and tacked on late fees. I have not, nor has any attorney who represents me received : The video footage from the ATM indicating that it stole my money. Documentation that illustrates that the ATM machine was not reconciled.
Company Response:
State: NJ
Zip: 07305
Submitted Via: Web
Date Sent: 2018-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-16
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Good Morning and thank you for taking the time to read this complaint. I have tried repeatedly to be civil and work with the lender, PNC Mortgage, but am being ignored 100 %. I think that they feel I have no " voice '' at this point, and are hoping that their tactics will make me just " Go Away ''. I was taught to stand up and fight for what I feel is right, and report injustice whenever possible, so that those who are too scared to speak up, will see that they really do have a " voice ''. So I thank you for reading, and will be MORE THAN HAPPY TO PROVIDE PROOF TO BACK UP MY COMPLAINT. The Mortgage Loan in question was a Purchase Mortgage, Loan Number XXXX, owner occupied, borrower name is XXXX XXXX. It was a new construction subject that closed in the beginning of XX/XX/2016 Sales Manager for PNC Mortgage was XXXX XXXX XXXX and due to an Appraisal Issue, the loan could not close on time. The Appraiser could not get back out to do the final inspection in a timely manner once the property was finally complete. Due to this Appraisal Issue, coupled with the fact the Mortgage Loan Officer is not allowed to participate in the Appraisal Process, as per Dodd Frank. XXXX XXXX XXXX chose to reassign the loan that I originated, to another Mortgage Loan Officer one week before closing and COMPENSATED the other MLO ( XXXX XXXX ) for the loan that I originated. XXXX XXXX XXXX also did NOT inform me that this was happening. It has always been my understanding, as well as stated in my MLO Contract with PNC Mortgage, that Mortgage Loan Originators are to be paid on the Mortgage Loans that we Originate. I have over 12 years in the business and the fact that XXXX XXXX and PNC decided to withhold my pay on a loan that took 4 months to complete, only to reassign it in the final week, over an appraisal issue, which I am prohibited from involvement, and then to pay another Loan Officer, is against the rules. XXXX XXXX even told me that in the 10 years he has been doing this job ( Sales Manager ), he's never had to reassign a loan and take away an Originators pay, and he never wants to have to do it again, which further indicates to me that this is NOT " above board ''. I also have a recording of this conversation, since there are camera 's in my house that record audio and video. PLEASE FEEL FREE TO CALL ME DIRECTLY TO DISCUSS. I have documentation to support these claims and my ONLY hope in all of this, is to simply be paid for a loan that I originated, for PNC Mortgage. I have since taken a Job with another XXXX as a XXXX XXXX XXXX and XXXX XXXX. However, I feel that if I don't report injustice, and obvious wrongdoing, when it's so blatantly present, I am only allowing the injustice to continue. I feel it's only fair, and part of our Loan Officer Agreement, that the Mortgage Loan Originator who originates and submits a file, is supposed to be paid on that Origination, once the loan closes. Especially, if the reason that the file did not close, was something that I am NOT allowed to be a part of ... .. Which was the Appraisal Process on this file. PLEASE FEEL FREE TO CALL ME DIRECTLY ANY TIME OF DAY SO THAT I MAY GIVE YOU ANY ADDITIONAL DETAILS REQUIRED. I have called PNC Multiple times to try to resolve this matter BEFORE coming to you. However, my requests aren't being acknowledged, even when they informed me that someone would be in touch with me in 48 hours and it's been over a week with NO correspondence. Please help me as I feel like my requests for clarity from PNC Mortgage and XXXX XXXX XXXX will go unanswered, and I will be the victim of the " Big Lender '' trying to bully it's employees by taking their commission, on a loan that was being held up by an issue that is purposely out of my control ( the Appraisal Process ). My cell phone number is XXXX and you can call me anytime. Right now in fact, if you wish. My new work email address is XXXXXXXX. Thanks again for listening to my complaint, I am NOT looking for anything other than what I was promised when I took the job with PNC. To be compensated the {$2000.00} that I feel I had earned for originating that mortgage. Also of note, both the Borrower/Buyer and the Realtor are friends of mine from high school ( XXXX XXXX XXXX ), and worked with ME for that reason. I appreciate your assistance with this matter, and thank the CFPB for being a resource for reporting injustice in the Mortgage Industry. We all need to be careful so that we are not taken advantage of by some lenders who feel that the rules don't apply to them. Please call or email me anytime so that I may provide further clarity. Most Sincerely, XXXX XXXX XXXX NMLS # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 193XX
Submitted Via: Web
Date Sent: 2018-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-16
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Initiated a timely debit card dispute with PNC Bank through the online portal on or about XX/XX/XXXX. The above mentioned bank initiated a standard template " Debit Card Transaction Dispute Form '' dated XX/XX/XXXX, and not received in the mail until XX/XX/XXXX, the bank gives the consumer 4 days to respond, with a respond by date of XX/XX/XXXX. As in the past, the bank conveniently, has lost the completed dispute form. Therefore, proof of the completed dispute form and fax transmission confirmation is attached. Details of the debit card billing dispute have already been explained on the above mentioned form and the bank online portal.
Company Response:
State: NJ
Zip: 08859
Submitted Via: Web
Date Sent: 2018-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: PNC cleared an unauthorized debit from my Checking account. Said unauthorized debit was for a very large amount of money, and in which, there were insufficient funds. Thus, there should have been no reason for PNC to clear said unauthorized debit from my Checking account. As a result of this incident, I experienced overdraft fees and fines accessed to my account. Although, they were eventually waived, PNC should not had allow for such a transaction to occur. The overdraft occurred on XXXX XXXX, 2018.
Company Response:
State: WV
Zip: 26505
Submitted Via: Web
Date Sent: 2018-03-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check written to me through my mobile app immediately after it was written to me by my sister on XX/XX/XXXX in the amount of almost 4k. I waited a couple of days to make sure it cleared and then used the funds. On XX/XX/XXXXthe money was then withdrawn from my account. I then immediately called to find out why on XX/XX/XXXX. The first level was unsure and put in a ticket for someone in the escalation department to contact me. I waited another day for someone to return my phone call. XXXX contacted me and we played phone tag until I decided not try and get someone else on the line. I then spoke to XXXX. She listened to my explanation and then said she would look into it further. I called back a couple more times only to be told they really couldn't do anything for me and that I would have to wait for XXXX to return my call since she was my case worker. I also heard multiple stories about my deposit during this time. I hear that it was withdrawn due to the physical check being deposited into an ATM by another individual. Ironically the name they were a little unclear of the account it was put in was XXXX with the same last name. At this point they knew it was fraud but it is not until todayXX/XX/XXXX that I was told that there was actually going to be a fraud investigation opened on my behalf. During this time I also spoke to 3-5 more representatives before I got XXXX on the line and conferenced him in with XXXX XXXX who told XXXX XXXX that they in fact could not see what the institution was that claimed the check was deposited into or the name of the person who's account it was put in to. So now the story had changed. I now have spoken to XXXX and had to repeat my story once again. She also claimed to take ownership and resolve my issue. It has been a week and now they are saying since it is fraud that they may not be able to get all or any of my funds returned but now this is a bank error because a fraud case should have been opened immediately. XXXX XXXX can only see the deposit to PNC into my account as the only withdrawal of the check. They have no record or any other attempt to debit the account the check was written out of. I keep getting the run around and lied to on multiple occasions and PNC is claiming it is not a bank error. Also when speaking to XXXX I was told that she was restricted by law to tell me the name of the persons account or the institution it was supposedly deposited into. Even though I was given this information before and then she herself mentioned that I was previously told the name of the persons account. So was this illegal? I find it hard to believe that XXXX XXXX doesn't have the money in my sister 's account with them, only sees one attempted debit to her account and no others, but PNC has this institution that they can't see or name ( whichever lie they want to tell at the time ) and this name of a person so conveniently close to mine. It has been over a week with many hours spent trying to get a resolution. I have had bills reversed and late fees for bills I can not pay due to this money being in limbo somewhere. PNC is not eager to help and is definitely not handling this in a responsible manner. I am extremely disappointed in this institution.
Company Response:
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2018-03-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a PNC credit card with a {$250000.00} limit with autopay turned on to pay the full balance every month before the due date. This last month the balance was over {$100000.00} however their online system only allows a payment up to {$99000.00}. This required a second manual payment to be made. Of course I find out about this after the due date. PNC then charged me {$2800.00} finance fee and a {$49.00} late fee. I spent 1 hour on hold with them, and as of yet they have not refunded the money. I would like my money refunded. I also believe that there is fraud going on with PNC and their autopay system. How can you give me a {$250000.00} limit and then set me up on autopay, but not accept autopayments over {$99000.00}? When I called, the manager said that I could have made an additional manual payment over the phone or mailed it, that seems silly to me when I have autopay already set up. How can a bank like PNC not have a payment system set up or larger payments? I attached the statement for you to see. ( They also charged me interest on the whole amount, even though the majority of the balance was paid on time )
Company Response:
State: MD
Zip: 21157
Submitted Via: Web
Date Sent: 2018-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: PNC refused to modify my mortgage after my bankruptcy.My payment jumped from XXXX to now over XXXX.I had a first mortgage and second mortgage taken through XXXX XXXX as successor to PNC both discharged in a bankruptcy, the first is still with PNC and the 2nd had been assigned to XXXX for collection.There were many errors made by XXXX XXXX into PNC, XXXX, XXXX and XXXX and XXXX and everyone who touched both loans regarding collection and servicing of the loans.PNC eventually acknowledged these errors and agreed to discharge the mortgages.They contacted me and put in writing that the mortgages would be discharged.They discharged a mortgage on a property I haven't owned in years but never discharged the mortgages that I currently have and were included in the Bankruptcy.They keep saying they will but haven't.
Company Response:
State: MA
Zip: 01801
Submitted Via: Web
Date Sent: 2018-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A