Date Received: 2018-03-06
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have a bank account that is not located in my current state, my account had a charge that was over the amount I had in the account, so I instantly transferred funds from square cash. However PNC processed the negative charge prior to the credit, though transactions happened same day. I am not able to physically remedy the situation as there are no branches here, and attempted to fix the problem by transferring funds, but with PNC processing the debit first they applied 3 NSF fees causing me to yet go negative again.
Company Response:
State: TX
Zip: 78727
Submitted Via: Web
Date Sent: 2018-03-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We are currently with PNC mortgage. In XX/XX/XXXX I was forced to switch jobs and took a XXXX decrease in pay due to my previous position being eliminated. We attempted to refi in XX/XX/XXXX. PNC explained to us that because we were in good standing, we did not qualify for any refi programs that help lower our payment ( we were in " too good '' standing ). We asked how to get involved in any special programs for refi and they stated that we would have to miss 3 consecutive payments in order to qualify. I didn't understand why we would have to fault in order to get a lower rate? By XX/XX/XXXX, I was struggling with paying the mortgage. My wife and I decided to finally follow the direction of PNC and we stopped paying the mortgage. In XX/XX/XXXX, I contacted a complaint line and explained my situation with PNC. They stated that " they would never say that '' and that " they would never tell anyone to miss payments ''. I was absolutely floored. I was angry that I used this as a last resort and that I have NEVER missed a payment in the 12 years that I have been with PNC. They logged the complaint and called a few days later and said " sorry, nothing we can do ''. I made the XX/XX/XXXX payment immediately. on XX/XX/XXXX, went online to pay my entire missed months of mortgage so that I could leave PNC and I was unable to pay and they stated that I could no longer deal with them. A few days later, I received an attorney letter with all past due months and an additional {$800.00} fee for the letter being sent to us. I quickly explained the situation to the PNC attorney and that I was trying to pay online but they wouldn't listen. I paid the entire balance in full ( because we were told to withhold the payments by PNC ). We then reached out to PNC in XX/XX/XXXX to get back to refinance the house and they stated that because we have missed any payments, we are no longer able to refi the home. We are now stuck in a mortgage that is almost 2 points higher than any other mortgage out there. PNC was deceptive in their offers and how to circumvent the system and then denied any wrongdoing and penalized my family for doing what they said. You can look over my payment and credit history prior to intentionally missing those payments. Absolutely perfect payment history prior to this issue.
Company Response:
State: IL
Zip: 60435
Submitted Via: Web
Date Sent: 2018-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: All transaction from XX/XX/XXXX to XX/XX/XXXX were unauthorized, except for a TELLER withdrawal, {$920.00} XX/XX/XXXX, a TELLER deposit, {$570.00} XX/XX/XXXX, a XXXX Payment, {$190.00} XX/XX/XXXX, and a XXXX payment, {$30.00} XX/XX/XXXX. I have lost my wallet at either XXXX or XXXX. I`ve filed a dispute twice. The last time with a police report. There was a XXXX transfer that I was refunded for that caused my account to go into overdraft. PNC closed my account. I was told that my disputes were denied because they say that I gave my PIN number out. Why in the XXXX would I give someone my PIN number? I have taken days off of work to try to get this resolved. Over {$2000.00} in charges and nobody can help me. I was told that I would receive a call back by Monday and nothing. I have left multiple messages with the XXXX and I received no call back. Now since my account is closed I can't open a new dispute. This is XXXX! A customer service representative that actually tried to help me out of more then 20 people was going to resubmit the claim, but first wanted to find out what additional information that I could provide to get my claim approved and no one knows. After some research this is not a valid reason and I was told to contact a federal agency. Can someone please help me?
Company Response:
State: MI
Zip: 48207
Submitted Via: Web
Date Sent: 2018-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2018, I made a cash deposit of {$1900.00} at the ATM XXXX XXXX XXXX, XXXX, NJ XXXX at XXXX. The ATM processed the money, however the machine shut down and said temporary out of service. Then it spit out my ATM card. The funds were not available. I went inside the bank and the representative stated that she will give me provisional funds, however it only put in an investigation status. The Branch manager XXXX XXXX said there is nothing he could do, and that I would have to wait the waiting period. I called the police and they said it was not a crime and it was nothing g they could do. I could file a report. I called PNC retail escalation department and spoke with XXXX and said they can not do anything for another 48 hours. This has put me in a grave disadvantage. I made a cash deposit, I feel they stole my money. Also, they cash a check for me and then made the deposit as cash. That also is not available, they couldnt explain why. I made a total of {$2900.00} cash deposit and known of my funds are available.
Company Response:
State: NJ
Zip: 08016
Submitted Via: Web
Date Sent: 2018-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Fraudulent activity was made through my account, and my accounts were depleted. The bank was notified as soon as this occurred but took no action to protect my account. A police report was filed. The bank refused to discuss the fraud and told me to contact the bank that caused fraudulent activity on my account. I contacted the bank and a representative reported that the bank that had my account had to initiate the contact. When I contacted my bank a representative told me to contact the company who issued a fraudulent charge. In essence, I have been given a runaround for a year. Now the bank has contacted me, instead of the bank that depleted my account, with a collection notice. I believe both banks are at fault and should be charged with fraud related to elderly persons. Today, I read on a website that this occurs in other states.What can really be done to have this fixed? I am receiving collection bills for fraudulent activity.
Company Response:
State: PA
Zip: 15001
Submitted Via: Web
Date Sent: 2018-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX, the borrower took out a line of credit mortgage with PNC Bank with a maximum draw limit of {$89000.00}. It had a 15 year term, due on XX/XX/XXXX. There were no monthly payments, as it was a balloon payment. The borrower did not worry about this mortgage for several years, as he focused on the payments on his first mortgage. In XX/XX/XXXX, the borrower received a letter from PNC Bank dated XX/XX/XXXX which informed the borrower that he was behind on payments on the line of credit mortgage. The client reached out to our legal services organization to research the issue. I discovered that the mortgage term was 15 years, and that there were a little more than four years left before the mortgage was due. I believed there to be an error in the servicing of this loan, as they were requesting payments that the borrower never knew about. On XX/XX/XXXX, I sent a Notice of Error to PNC Banks address for Qualified Written Requests, seeking clarification on the XXXX letter and what payments they were talking about. I wanted confirmation that the mortgage was not due, and that it was a balloon payment without any monthly obligation. I got no response, despite the obligations servicers have to respond to Qualified Written Requests. More than a month later, on XX/XX/XXXX, I updated the Notice of Error with dates and the fact that my first one never received a response. I sent the NoE via certified mail, so that I could confirm receipt of the document by PNC Bank. On XX/XX/XXXX, I received the certified mail receipt from XXXX which confirmed that the letter had been received by PNC Bank on XX/XX/XXXX. Per 12 C.F.R. 1024.35 ( d ), the servicer had five days to confirm receipt of the letter, with information on when a response could be expected. Nothing of the sort was sent to the advocate nor the borrower. Weeks passed, and per 12 C.F.R. 1024.35 ( e ) ( 3 ) PNC Bank only had thirty days to respond to my Qualified Written Request. There has been no response, despite the fact that I have been trying to get information from the bank for nearly three months. It is now XX/XX/XXXX, and I am no closer to finding out what is going on with the borrowers second mortgage. This is a gross violation of the CFPB regulations, which are supposed to facilitate correspondence between the borrower and the mortgage servicing industry.
Company Response:
State: NY
Zip: 10308
Submitted Via: Web
Date Sent: 2018-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-02
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: My account had fraud and I filed a police report. In total, PNC has charged {$510.00} claim with XXXX. Yesterday, this 1 derogatory credit file prevented me from opening a credit union account. Please advise.
Company Response:
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2018-03-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX I was effected by Hurricane Harvy. I contacted my mortgage company and they put me on forbidden plan. We agreed that, I will have 4-6 months to pay my balance. On XX/XX/XXXX I called the bank to discus my account info and they asked me if I can make any payments, so I decided to pay a good faith payment of {$3500.00}. On XX/XX/XXXX I called and I paid {$7000.00} which is 14 days before my payment that scheduled on XX/XX/XXXX I was surprised that, they reported me as past due 60 days and that effected my credit score. I do not agree with that at all. My credit report was mentioned as effected by natural disaster and I lost my house and business. I made my full payment and bring my account current. There is no reason to be negative reported. All payments and pics are available and were uploaded. This negative report will raise the risk of me been past due in the future. I may loss my work and this could lead to struggling for the future payments.
Company Response:
State: TX
Zip: 77065
Submitted Via: Web
Date Sent: 2018-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have been disputing PNC bank chargeoff account since around XX/XX/2017. I want this negative item deleted from my credit report as I believe it has been reported in error. In violation of consumer protection laws like the FCRA and FDCPA.
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2018-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-01
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: XX/XX/XXXX I ordered an access point from XXXX that I received an email PDF attachment bill of lading for, which would have any business person assuming product was in stock and was shipped. I find out that XXXX refunded my money, didn't send catalog either, and on XX/XX/XXXX shipped product, but didn't show on my bank account that money was refunded, yet showed new deduction of {$57.00}, and my account was overdrawn. I called PNC Bank after calling XXXX on XX/XX/XXXX when I saw an email of the overdraft fees. If PNC did correct all my fees from not alerting me if the money XXXX put back in my account, after I saw it deducted on the XX/XX/XXXX, I would have {$5.00} before SSI deposited {$750.00} into my account, including my {$40.00} withdrawal and {$6.00} purchase. Plus PNC is double charging an extra {$3.00} fee for using an outside ATM.
Company Response:
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2018-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A