Date Received: 2023-06-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PNC Bank operates in the most unethical and illegal manner to boost their profits and injure their clients. My mortgage payment was adjusted ( up to cover escrow payments ) and they failed to inform me. They have my phone number and email address -- they never left a voice message, no text, and no email. When I sent my monthly mortgage payment, they deducted funds from my escrow to cover the changed amount -- I was not informed they took this money from my escrow that pays property taxes and insurances, not the bank itself. Still unaware of what's going on, I sent my next monthly payment. This time they did not apply my payment, I am unaware for several weeks. It came to my attention when I received an email from a credit reporting agency that the PNC Bank account was late. When I called the bank, they told me they returned my 2nd payment -- however, several weeks had passed and I never receive a check. When I became aware of this problem, I immediately called the bank and resolved the matter on the phone ( paying a trivial $ XXXX ) to bring the account current. Yet, PNC bank charged late fees and withdrew funds from my escrow to enrich themselves and damaged my credit with late payment reporting. All this happens because they ( intentionally ) failed to notify me. This practice is a business process to enrich their bottom line -- they have several methods to communicate with their customers instantly and intentionally disregard them to enrich themselves. This has happened to me before, PNC Bank is ripping-off their customers across the board using non-communication as a business practice to trigger fees.
Company Response:
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX - I, XXXX XXXX, opened a loan with PNC Bank XXXX XXXX of {$100000.00} for 216 months at given interest rate of 5.8 % at a payment of {$740.00} XX/XX/XXXX - I received mail from PNC Bank stating " we discovered your fixed rate lock established on XX/XX/XXXX, did not receive the correct interest rate, As a result, you were overcharged interest. Your fixed interest rate has since been lowered to 5.220 %. '' XX/XX/XXXX - PNC mailed to say they credited my account for overcharging interest - a credit in the amount of XXXX was applied to my principal balance. A 216 month XXXX loan of {$100000.00} at 5.220 % should result in a payment of ~ {$710.00}. I have contacted PNC many times to find out what will happen to my load going forward. They refused to answer and provide resolution to providing me with a lower monthly payment
Company Response:
State: CA
Zip: 92037
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/XXXX I opened an online banking account with PNC Bank. I established an External Transfer agreement with another financial institution. I received trial deposits, and activated my online External Transfer agreement between PNC Bank and my other account on XX/XX/XXXX. I received an email verifying the PNC XXXX Account being enabled with this other bank. On the XXXX a significant amount of funds were electronically removed from my joint money market account. For the next few days I went online to see when these funds would show up to fund my/our new savings account. I called PNC on XX/XX/XXXX, and was told I was on a recorded line. The PNC representative told me the transaction with this other bank, was not processed. When I told this rep the money was taken, but not credited, he told me to call back on Monday and speak with the " Exceptions Desk ''. I called PNC on Monday XX/XX/XXXX. I spent a long time on the phone, but never found out where, or why, our money was not in our PNC account? I called PNC again on the XXXX of XXXX. During this conversation with a different PNC rep I was informed that our account had an " External Transfer Suspension '' placed on it. I was given no explanation why. I asked how my wife and I could correct whatever the problem was? I was informed that my wife and I would need to present ourselves to a brick and mortar PNC Bank, and provide proof of identity. So on XX/XX/XXXX my wife and I drove over XXXX hours to a PNC in XXXX, MA. We met with a PNC rep named XXXX XXXX, whose title is a Solutions Consultant. Our drivers licenses and a second form of ID was recorded on a PNC computer operated by XXXX, as we sat in his office. XXXX assured us that whatever the problem was will be resolved by Monday. I called PNC on Monday XX/XX/XXXX and spoke with another XXXX At the end of the call I had no better sense why PNC was holding my families funds, and not applying them to my unfunded account. Along the way I would receive emails encouraging me to fund our new account. As of today my wife and I have no idea why PNC deprived us of a month 's worth of interest, at 4.5 %, and refused to apply our funds to our account. Please advise and assist.
Company Response:
State: VT
Zip: 050XX
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This is my formal complaint to PNCBANK for taking no actions on correcting and removing the fraudulent account that is still reflecting on my credit report and continue to damage my reputation. I sent out communication to them for so many times but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Company Response:
State: PA
Zip: 19121
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a PNC Bank XXXX ending in XXXX. In XXXX I notified PNC Bank that I wanted to close out the account and also paid the balance on the account of {$120.00}. They are saying that the check was not received in time and posted a {$27.00} late fee plus {$2.00} interest fee. I refused to pay the fees since I had notified them that I wanted the account closed due to medical issues of having XXXX strokes over the past year and not needing the credit card anymore ; as well as paying the balance in full that was agreed to via the phone. The following month PNC added {$38.00} in late fees and {$2.00} in interest. And they are continuing to add late fees and interest even though I have paid in full and closed out the account. I called them to discuss and after XXXX min. on line the phone line went dead while waiting for the XXXX to discuss with a supervisor ; and they didn't even call me back. I called back in and got a new person who essentially said " tough luck, but you owe us the money and have to pay it or we'll come after you. '' This is simply blackmail and hostage taking of someone's credit by not closing out the account and continuing to charge late fee on late fee and interest on interest without any purchasing being made since XXXX of 2023.
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XX/XX/XXXX, I received from XXXX XXXX XXXX Notice of Intent to Foreclose for a lender and amount ( XXXX ) I was unaware of. When disputed, they informed me of the original debt was with PNC Bank. While, I was familiar with PNC, the debt was charged off in XXXX. For seven years, there was no communication from PNC or XXXX XXXX XXXX XXXX, indicating it had been turned over to a new servicer. Throughout the dispute, XXXX XXXX XXXX XXXX back dated interest, and late fees from XXXX until the XXXX to support their Intent to Foreclose notice. All of which was discovered during the process of negotiation with me hiring an attorney. XXXX XXXX XXXX XXXX agreed to forgo additional fees and only to pay $ XXXX However, they submitted updated Notice of Intent to Foreclose for $ XXXX themselves as 1st Position. The information regarding Loss/Mediation wasn't forwarded to me until XXXX of XXXX It was later discovered that XXXX XXXX XXXX XXXX was not licensed to act as a debt collector in Florida, Maryland or anywhere on the consumer licensing information site. Since they are unlicensed and my former attorney informed them they were to cease with collecting, that have now signed my Deed of Trust over to XXXX XXXX XXXX. Unfortunately, my attorney has withdrawn from the case and I am left without any resolve.
Company Response:
State: MD
Zip: 20743
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened an on-line savings account with PNC on XX/XX/2023. I transferred in funds from my XXXX bank account of {$1000.00} and from my XXXX Account for {$2000.00}. A total of {$3000.00} was eventually credited to this new savings account by XX/XX/XXXX. Then on XX/XX/XXXX my on-line statement showed a withdrawal of {$1000.00} I did not make this withdrawal nor did I authorize it. PNC says it was an ACH withdrawal by my XXXX bank and therefore not their problem. When I spoke with my XXXX bank they were quite adamant that no one can authorize a transfer of funds without the account holders permission. Furthermore they did not request this transfer of funds nor do they have any record of it and it certainly hasn't been put back into my XXXX account. PNC will not take any responsibility for what i am surmising is an accounting error of some type on their part. Instead they say that because it was labeled an ACH withdrawal they are not responsible. So essentially they have stolen, or lost, {$1000.00} of my money by dismissing this as XXXX Banks problem. Since XXXX bank did not request money from me nor have they any record of receiving these funds I am essentially stuck in limbo for getting my money back. This is outright fraud and theft on PNC 's part.
Company Response:
State: AZ
Zip: 857XX
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: I received a call from a woman named XXXX XXXX ( XXXX ) who claimed to be an XXXX of the XXXX XXXX XXXX on XX/XX/XXXX and she stated that I had some international charges against me. So I had to pay for lawyers fees for international lawyers to fight my case. The name of the law office I was told was XXXX and XXXX, XXXX. They gave me a contract to sign and they gave wire transfer information as to where to send my lawyer fees over a month period of time. The wire transfers were as follows : Attorney Fees and Costs for them to take the case : {$7.00}, XXXX ( XX/XX/XXXX ) Invoice Payment XXXX for them to do research for the case : {$7.00}, XXXX ( XX/XX/XXXX ) Invoice Payment for case Fee # XXXX ( A fine they said I had to pay, a verdict that was given by the XXXX 's Justice System : {$39.00}, XXXX ( XX/XX/XXXX ) Invoice Payment XXXX Added money to the fine I was told I had to pay : {$19.00}, XXXX ( XX/XX/XXXX ) Invoice Payment XXXX Money they said I had to pay in order for them to work with my Bank to get my accounts unfrozen : {$7.00}, XXXX ( XX/XX/XXXX ) Invoice Payment XXXX A closeout fee I was told I had to pay : {$10.00}, XXXX ( XX/XX/XXXX ) I found out it was a scam when I was given a court date to go before the judge on XX/XX/XXXX to sign some paperwork and close my case at the VA XXXX XXXX in XXXX XXXX. The judge that I was assigned was not a judge at that court building and nobody at the court building ever heard of my case or my name. I called XXXX XXXX and emailed the attorneys that I was assigned nobody was getting back to me. So I returned home and I called the XXXX XXXX XXXX and they stated that the person who I was in contact with, XXXX XXXX XXXX, was not an agent with their agency. I immediately told my bank what happened on XX/XX/XXXX, I bank with PNC Bank. They put in a report and explained in detail and showed them documentation of everything that occurred and they said that since I authorized the transfers that my money was not retrievable despite what happened under the circumstances. I was afraid and feared for my life I thought I was really going to face jail time and everything sounded legit. I just want all or some of my money returned to me for the money I was scammed out of was my entire life savings and I am at risk of living paycheck to paycheck and possibly being homeless. This money was left to me by my mother who passed away in XX/XX/XXXX and I was not only scammed financially, but I have had to deal with a lot of emotional distress and my mental health has taken a huge decline with grieving for my mother and fearful of the possibility of being told I would have to face jail time for an international crime. The money that I have left in my bank account has been used to pay for therapists and medicine for my mental illness. This money has sentimental value and I depended on it for survival. My mother was a military veteran ( XXXX of XXXX : XXXX ) who worked so hard to make sure that her children would be secure and financially stable when she was gone and now I am facing a major financial crisis that can cause me to lose everything. Also, my PNC checking account was frozen for about XXXX weeks after I was told my charges and I was not notified of the freeze and even after my accounts were unfrozen I was not told who instructed my accounts to be frozen. I just want to show how extensive this scam has affected me and how in depth it has attacked me. The documents I will be attaching will have everything that I stated above. Also, the documentation will include dates. I also saved a voicemail on my phone of the scammer who called me, XXXX XXXX XXXX XXXX XXXX ) and who I was talking to during the duration of this tragedy. Also, the bank instructed me XX/XX/XXXX to open a new account so the account that was involved with the scam is now closed to ensure the scammers do not have my account information but I do still currently have an account with them and would like any help that this complaint could do to help me get my money back or show PNC that I am the victim and have been suffering financially, emotionally and physically from this incident.
Company Response:
State: VA
Zip: 23503
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: This is a complaint against PNC, I have a business checking account that PNC has systematically locked my account and access to money and hindering my business and causing serious emotional duress. On XX/XX/2023 I went to withdraw money from ATM. My account was locked out for fraud, I had a very difficult time getting assistance and was almost stranded during a travel day. After this incident my account has been systematically locked every week and seems to happen on Fridays. It has prevented a number of business transactions that have caused me extreme stress. It's either comical or criminal, the past two incidents I accused PNC of criminal behavior and I was dismissed and laughed at by their representative and yet the lock out occurred again this week. PNC is responsible for negligence at the very least. This is five straight weeks I've had to deal with this, and in the midst of changing banks. Divorcing your bank is more difficult than divorcing your wife! All conversations have been recorded and my belief is PNC 's behavior is criminal, this has gone beyond negligence!
Company Response:
State: PA
Zip: 15217
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: I recently was scammed by a new employer XXXX XXXX that posted a remote XXXX XXXX position on XXXX. This resulted in me unknowingly depositing checks that would bounce and wiring money from my PNC Checking account before the checks bounced. PNC was aware that the checks were Altered or Fictitious but did not alert me ASAP. I found out after I wired money out of my account. PNC is claiming that since this is a SCAM and not FRAUD, they are now saying I owe them the negative balance of - {$9400.00} in my checking account that they closed. Before the scam started, I had {$10000.00} in my checking account and {$4000.00} in my savings account. All of that is gone. PNC made an effort to get the wired money back with no luck. I think that since PNC realized the checks were Altered or Fictitious and did not alert me, they should be held accountable for this scam, and that I should not have to pay the {$9400.00}.
Company Response:
State: FL
Zip: 33455
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A