Date Received: 2018-03-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: This is in regards to my debit card with PNC. My card was recently lost or stolen and numerous fraudulent transactions appeared on my account. I filed a dispute with PNC and was denied because they said that there were transactions posted after some of the disputed items that I did not dispute. If I did not dispute them, then it was done in error. There were many transactions and they only allow you to dispute 9 at a time. So I actually had 3 separate claims because of this. Apparently I missed some. The person on the phone told me to dispute the items again, which I have done. Now, just to be sure theres no confusion, I am attaching a screenshot of EVERY TRANSACTION THAT IM DISPUTING. The transactions include the ATM withdrawal on XX/XX/XXXX for {$500.00}, the XXXX XXXX transaction on XX/XX/XXXX for {$4.00}, and EVERYTHING IN BETWEEN. Also, there are numerous ATM fees.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-28
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My client recently completed her CH XXXX BK and was granted from the courts to proceed with refinancing her property. The existing payoff was held with PNC Mortgage and they took over 75 days to provide the payoff demand in order for the new escrow company to fund and record. As the lender, we had everything ready to be completed in 20 days knowing we had a 45 day lock period incase there were delays. From day 20 up to day 75 or 76 we could not receive the pay off demand costing our branch over {$1500.00} in extended lock charges. Not only do I have email records from myself and the escrow officer trying to get the information form PNC but I have an entire conversation timed and written down with names and discussions about how their process works in order to speak with a supervisor or a manager. It's impossible and they will not allow you to talk to anyone directly, you have to speak with a representative who then types the message while you wait on hold for the response. Because I was insistent on staying on the phone from XXXX XXXX they lied to me about the release and once I called back to confirm, nobody knew what I was talking about and couldn't release the information to me without filling out and authorization form. The authorization form I was told can take up to 5-10 business days to be accepted. Escrow was told at least twice that the pay off demand would arrive in 5-10 business days as well.Each time you call and ask for the pay off department you are sent to a recording and automatically hung up on. The entire process was a total nightmare and because of my escrow officer bending over backwards each day for over a month and a half, somehow it was finally provided. I want to know how a company can get away with that type of system, costing other lenders money, taking time away form other people 's jobs, and not have consequences for their actions and lack of care for the client. If my branch manager didn't choose to take the hit, my client would have never closed her loan, her mortgage payment would not be reduced, and she would have been out for the additional costs that were accrued for doing the loan. PNC should be put out of business for how they conduct themselves with no regard for others. Our branch suffered, escrow suffered, and the client suffered in worrisome.
Company Response:
State: CA
Zip: 95219
Submitted Via: Web
Date Sent: 2018-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: this is for XX/XX/2018 car payment for PNC Bank. it was for {$1200.00} it says my car payment was 30 days late but I did a payment plan with them to add that payment on my last payment
Company Response:
State: IL
Zip: 60646
Submitted Via: Web
Date Sent: 2018-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-28
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: On XX/XX/2007, I purchased a Certificate of Deposit from XXXX XXXX XXXX XXXX XXXX located in XXXX, Florida XXXX. The Account # is XXXX. The Amount is {$10000.00} Interest 4.780 for a term of 7 months. ( copy attached ) also have the Deposit ticket for {$10000.00} ( copy attached ). While going thru my safe recently I found these items in the back of the safe. XXXX XXXX has been taken over by PNC. I went to PNC about two weeks ago and was told that they have NO record of this CD. I would like to cash the CD. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33470
Submitted Via: Web
Date Sent: 2018-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-28
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: XX/XX/18 I was charged a {$33.00} stop payment fee that I attempted to process in my account online. I was attempting to stop a recurring preauthorized fee from coming out of my checking account by XXXX XXXX XXXX. I was told there was an error on my behalf with attempting to do this online in my account. The bottom line is the stop payment did not process and the funds came out anyway. My issue is I was told by the bank though the stop payment was not done I had to pay {$33.00} for just going onto the web site within PNC. Who has money to give a bank to pay for something not done. PNC XXXX Account # XXXX
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2018-02-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-28
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX we were processing of Refinance of my house. The Loan Office request me to pay the fee for the Appraisal for {$500.00} and the HOA form for {$200.00}. I did talked with her that the Loan is not approved yet, I only want to pay the fee for both after the Loan is approved. But she keep asking me to pay the fee instead they do know that they don't need to collect that fee until the loan is approved. Finally, they charge me {$500.00} for the Appraisal and {$200.00} for the Form of HOA. After they denied my loan, I called and ask to refund the fee for Appraisal and the fee for HOA form. They promised to refund but up to now I didn't receive any things from them. I'd like to ask The CFPB to protect us for PNC treating unfairly to us. Thanks for you concern. Best Regard, XXXX XXXX XXXX. I attach here the two documents in which the first one is the HOA form, they order. The second document is the Letter of PNC to order the Appraisal for your review
Company Response:
State: CA
Zip: 92703
Submitted Via: Web
Date Sent: 2018-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: paid off a home equity account on XXXX to XXXX XXXX who was a debt collecter for PNC bank for XXXX dollars. total debt was for XXXX. before making final payoff payment, was instructed that the XXXX dollar payment was the amount needed to pay to clear debt in full according to XXXX associate. now trying to refinance existing home to a 15 year mortgage and am running into credit issues with what several mortgage companys are calling a debt settlement. the miss information i received from XXXX is not allowing me to refinance my home. i paid the total of XXXX, but apparently some late charges were taken off. trying to do the right thing. need some help, thankyou ..
Company Response:
State: MI
Zip: 48044
Submitted Via: Web
Date Sent: 2018-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I've been a PNC customer since XX/XX/XXXX, and I've never had a issue until now. I am a student and I receive financial aid checks from my college. I had 2 checks deposited in my account by my university, one for XXXX and another one for XXXX, both on XX/XX/XXXX. This is where the issue begins.From the dates of XX/XX/XXXX to XXXX, XXXX XXXX, purchases were made with my card without my authorization. I have no idea how this occurred since only I have access to my account. Even when I would give money to family, I would personally withdraw the money myself and give it to them. Throughout this period of unauthorized purchases being made, I did not log in to view my statements since I had lost my password, and getting my account back was something I often procrastinated about. This bank has never given me issues, so why should I worry, right? I deeply regret this now. Around XXXX, I noticed that my account balance was off, like WAY off, to the amount of hundreds of dollars. I contacted my local branch manager, and managed to sort everything out, or so I thought. He carefully looked over the charges, and even agreed that my information had been compromised. I was told of charges to stores I've never shopped at, in towns and cities I've never even been in. My information had been used to buy nonsense such as popcorn, fruit baskets, and XXXX, to even sketchier dealings such as packet shipping, which deeply worried me. I didn't want to be implicated with something I did not do. The charges were multiple, but they were small amounts such as under {$20.00}, so I didn't notice right away, it wasn't until XX/XX/XXXX, when XXXX dollar purchases were made, that's what got my attention. Anyways, I was told a investigation would be done and in the mean time, I would have my account credited. I was satisfied. According to my bank statements, I was credited for a total of XXXX for XXXX fraudulent charges on my account. I was also given a new debit card. In XX/XX/XXXX, I log in to view my bank statements, and I'm shocked to find that on XX/XX/XXXX, 4 of the provisional credits had been reversed. The amounts are XXXX, XXXX, XXXX and XXXX. On XX/XX/XXXX, I had XXXX accredited to my account again. I went to my local branch manager to see what was going on, and was told that the investigation was still ongoing so I would have to give it some time. It's already XX/XX/XXXX now, and nothing has happened. That is until XX/XX/XXXX. I log in again, and found that the XXXX credit which they have given me, then removed and given me again was removed ... again. I also get a letter in the mail telling me that their investigation was over and I was still going to get charged XXXX. No mention of the other missing money I am owed. This put my account into overdraft and I had to deposit {$80.00}, which I had put aside to buy a textbook for school and pay my phone bill, into this PNC account, in order to put my account into the positive again. I can't simply afford to take money that I need for my schooling and deposit it, when PNC decides to get finicky and take away provisional credit that were given to me, due to the fact that MY money was stolen. I'm a student and I barely get by, I don't need to stress over the fact that my money was already stolen and my information was probably used to do something illegal and dangerous. I also have to take money that I have to make up for the mistakes of PNC, which is unacceptable and ridiculous. I'm a person living in the real world. The real world has BILLS which I am unable to pay due to PNC. I'm disgusted and deeply unsatisfied with the way PNC has handled this issue. Telling someone to " wait '' months for investigations that yield NO results is despicable. Should I also tell my rent, phone, and textbooks to " wait ''? I don't think so ...
Company Response:
State: PA
Zip: 18201
Submitted Via: Web
Date Sent: 2018-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I aquired my home thru survivorship rights when my companion passed away, and he aquired it thru a trust when his mother passed away. I handled all business having to do with the mortgage company til my companion passed away and the mortgage company withdrew my right to be acknowledged at all. I tried several times thru the course of 5yrs to get them to help me or at least to acknowledge me as the sole owner and tell me what to do to no avail. I faxed them the deed and both avidavids of death several times, even filled out numberous hardship packets and enlisted the help of a program called " Keep Your Home California '' who tried to help me twice but were turned away. First by the mortgage company who said I had nothing to do with the loan so how could they help me? And the second time the " substitute trustee '' who wouldn't postpone the sale of my house by a week to give them time to process my paperwork. I faced foreclosure 3 separate times in 5yrs. The first time I got out of it simply because I was constantly calling to try to work things out. The second time tho they sent my payment back saying it wasn't enough to cover my default and again when I sent a money order for 2 payments. Since I was unaware of any default and they wouldn't discuss anything having to do with the account with me, I hired a paralegal to write them a letter. In which he stated that it seemed like there was either a misunderstanding or they were trying to steal my house and he requested they send me a copy of the trust and 6 or 12 statements, which they did along with a letter of condolence for my loss, a promise to update my file with the new information, and an apology for sending my money back. Adding that any inconvience or fee 's aquired due to their mistake would be null and void. However I was now in serious default and less than a year later they foreclosed on me for the third and last time. I panicked and deeded the deed to myself before they did tho to get the deceased people off it and they actually talked to me for the last 2wks or so to tell me I was XXXX. However, now that they were talking to me and I had a copy of the trust " Keep Your Home California '' was sure they could help me but the " substitute trustee '' wouldn't postpone the sale for a week so they could process my paperwork. They postponed the sale by a day tho so the buyer could get all the money together which also caused there to be nobody there but the buyer, a guy from the bank, and myself ... So who and why was there a " substitute trustee '' in the first place? My companion was the trustee and by the time I aquired the home there was no more trust!!! And they too avoided talking to me except to deny my request for more time and then again months later when I was told that altho I was the only one who applied for and was entitled to the surplus funds they'd spend every last dime if they had to trying to track down the original borrowers next of kin and only then if he didn't want it would I be entitled to it. I called for months crying because I was XXXX with XXXX small dogs and got treated worse and worse til I asked for somebody above this lady and the funds were deposited with the court, so I had to petition them for it. I totally did not understand this lady 's personal attachment to my house or my money but they illegally sold my house in the original borrowers name even tho she had been deceased for almost 10yrs at that point and they listed her as a single man. I honestly can not figure out how they could possibly have a clear title when I didn't sign or agree to anything and I was the sole owner ... Even the final forclosure papers state that they are not the forclosing beneficiary, but THERE WAS NO FORECLOSING BENEFICIARY!!! And the next of kin did try to have me removed before he found out that I was actually on the deed and he wasn't the new owner. So that approach has been tried and denied. My lawyer simply wrote his lawyer a letter stating he needed to research his facts, and I never heard from either of em again.
Company Response:
State: CA
Zip: 960XX
Submitted Via: Web
Date Sent: 2018-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX XXXX ( XXXX XXXX ) {$250.00} XXXX XXXX XXXX x 2 ( XXXX ga ) {$200.00} & $ XXXX XXXX x 2 {$76.00} & XXXX Withdrawal @ atm XXXX XXXX XXXX XXXX ga XXXX ( XXXX XXXX ) {$230.00} All took place on XX/XX/18 Stroller rental {$5.00}
Company Response:
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2018-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A