Date Received: 2023-06-07
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Sent a check dated XX/XX/XXXX in the amount of {$1400.00} to discover card for payment through the U.S. Mail. The check never reached XXXX and was washed and cashed by an individual at the XXXX XXXX XXXX XXXX. I notified my bank, PNC ' PNC requested a notarized statement regarding altered check, which was sent to them XX/XX/XXXX. As of this date, XX/XX/XXXX, I have not received my funds or any answer to the status of my claim despite numerous calls to the number I was given.
Company Response:
State: PA
Zip: 19111
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I do not have any confidence in PNC Bank to properly apply my monthly mortgage payments in a timely manner. I've had numerous problems with PNC Bank properly applying my loan payments in a timely manner. Often I have to call them to have them apply my principal. If I do not call them the money sits in the account without properlu being applied to my mortgage payments. This has gone on for many months despite escalating this issue with PNC they do not resolve my account. Thank you
Company Response:
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PNC Mortgage has refused to remove escrow from my loan. I have owned and occupied my property since XXXX and have been making my property tax payments on my own ever since. I have receipts of these property tax payments that I have made. I currently have a credit on my property taxes according to Office of Tax and Revenue for {$300.00} and I noticed my monthly mortgage payments increased about {$250.00}. When I called PNC about 4-5 months ago to inquire about escrow account and have it removed, I was reassured by several representatives that the escrow account would be removed and I would be able to continue making property tax payments on my own. The last call I made to PNC was XX/XX/XXXX and the rep. stated the removal of my escrow account was denied. The rep. stated letters were sent out XX/XX/XXXX to request proof of property tax payments. I asked the rep. if these letters were certified and she stated the letters came through regular mail, I did not recieve these letters. I have proof of payments and I would have provided these receipts had I known they were being requested. What I am trying to achieve now, is for my escrow to be removed so I can continue making property tax payments on my own and have my monthly payment go back down to its original amount.
Company Response:
State: DC
Zip: 20018
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: As of XX/XX/2023, PNC mortgage has increased monthly payments by {$65.00}. Require the bank provide email confirmation of this increase and the changes to escrow as per my federal requirements. Furthermore, I have requested the bank to provide information of mortgage payments as bi-monthly to reduce interest payments. That communication is also pending.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: XX/XX/2023 I made a payment to my credit card account at PNC in the amount of {$220.00}. My available balance was then {$3000.00} after the transaction. Pending transactions + {$1200.00} roughly with the previous balances ranging from a {$4200.00} balance. On XX/XX/2023, I check my account and the balance was {$2600.00} in the available balance. As if I made the transaction twice. I believe they are switching their small amounts with their large amounts, and charging the large amounts last to effectively creating a larger increase ledger in the malpractice of availability on the ledger manipulating of pending transactions on the mobile app.
Company Response:
State: MI
Zip: 49048
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2022, I wrote a check # XXXX to my telephone provider, XXXX, for {$64.00}. The check was altered to {$9500.00} and that amount was to an XXXX XXXX on XX/XX/2022. The PNC bank was contacted within 60 days of the date the check was written, to correct the problem. PNC requested a an affadavit of the altered check. This affidavit was submitted to PNC XX/XX/2022.
Company Response:
State: TX
Zip: 76705
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Hello to whomever this may concern, XXXX the XXXX, my car was repossessed. I was given to XX/XX/XXXX to bring payments up to current or the vehicle would be prepped for auction. I was to come up with the amount of {$1700.00}. I paid the {$1700.00} on XX/XX/XXXX and was told the vehicle would be back from storage on the XXXX of XXXX, it was finally returned to me on XX/XX/XXXX. XX/XX/XXXX, I went to get a emissions test, XX/XX/XXXX attempted to register my car for tags. Georgia tag office told me I couldnt register the car because the title was out of state in Virginia. I was told to retrieve my title from Virginia then the car could be registered. I dont know how the car title ending up in Virginia XXXX The only conclusion I have is that they auctioned my car anyway assuming I wouldnt make the payment. Then, had to ship my car back to Georgia, which is why it took two weeks to get it back after I paid the money. If they were going to auction it, they shouldnt have given me the option of paying my past due installments in order to get my car back. I got in contact with the lien holder of my car ( PNC Bank ) and told them upon releasing the car back to me they failed to reverse the paperwork back into my name. As of XX/XX/XXXX, my car is no longer legal for driving. As a result, I have suffered an income loss as my car is used to ride-share in order to supplement my income- its the main reason I bought the car. Ive been confined to my home unable to live and travel. My children live out of state in Kentucky and spend breaks and summers with me. Im unable to go and get them nor visit them or my dad, whom is XXXX years of age and resides in Kentucky. I am the only child and unable to physically check on him. I go to Kentucky once or twice a month. My dad, my children and my grandchildren all stay in the same town. Ive had to pay for XXXX back and forth to work from time to time, and occasionally Im forced to sneak and drive back and forth, because ride-sharing is expensive and I cant afford it every day. I have already been stopped by law enforcement once, but he let me go because he frequents the shop I work. PNC Bank keeps telling me that theyve contacted Virginia DMV, that they are waiting for Virginia to respond. Its been over three months that Ive been inconvenienced with this matter. Ive had to continue making car payments and insurance payments on a car that I cant drive and its hurting financially. I called PNC every day in the beginning but reduced my attempts to once every two to three weeks allowing them time for progress, but to no avail. Im afraid that I will eventually get stopped by law enforcement again, lose the car and my driving privileges, ultimately suffering another repo that would be no fault of mine. I asked PNC Bank is this the only option I have is to wait for Virginia to respond? They replied, this is the only option. It seems as though they arent putting in any real effort to get the paperwork straight, they seem quite passive when I call. The time before last about three weeks ago, I called PNC they claimed they were going to contact the titling agency. This past Friday PNC told me they were expediting the process. I dont know what else to do, but Im the one that will reap all the consequences in this ordeal. Here it is XXXX, Ive had to make four car payments without being able to drive my car. My car payments are {$420.00} and insurance is {$200.00} amongst other expenses, but the time and inconvenience is greater. Our vehicles improve our productivity and quality of life, this has made me absolutely miserable. Not being able to fight back is the worst. Thank you for your time and consideration in this matter.
Company Response:
State: GA
Zip: 30260
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Other transaction problem
Subissue:
Consumer Complaint: International wire sent by me from my business account. Funds were not forwarded to the designated beneficiary. PNC advised they are still holding my funds but refuse to release to me. Please ask them to return my funds to my account. Their failure to timely do so is costing my company {$49000.00} per day so time is of the essence. XXXX XXXX XXXX
Company Response:
State: TX
Zip: 77354
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am writing again to request a reasonable and more affordable loan modification for the property at XXXX XXXX XXXX XXXX XXXX, MD XXXX. In response to complaint ID XXXX and XXXX. When offered the new loan modification, my gross income before taxes is {$2500.00}, after taxes my net income is {$1700.00} as a full-time employee. I am currently still on short-term XXXX and my estimated return to work is now XX/XX/2023, whereas my current gross is {$1700.00} and my net is {$1100.00}. Based on my current expenses and the new loan modification {$1800.00} with the increased interest rate of 3.375 % to 6.875 % is not affordable per month, I asked that you alter my previous payments to the original monthly payments of {$1400.00} using the existing unpaid principal balance of {$150000.00} and not the new modified unpaid principal balance of {$170000.00} of {$1800.00} per month in payments. Aside from the interest rate and outstanding balance due what other factors were used to determine my new modified monthly payments? I can be contacted at XXXX.
Company Response:
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Other transaction problem
Subissue:
Consumer Complaint: My IRA CD in the amount of {$95000.00} was requested to be transferred to my investment company in XXXX. The account was closed by PNC bank on XX/XX/XXXX and my investment company has still not received the funds. I called PNC bank about this on XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I visited a branch in XX/XX/XXXX. I called XX/XX/XXXX. I sent a Indemnification authorization and it was received XX/XX/XXXX. I called XX/XX/XXXX, XX/XX/XXXX. I was to get daily updates which I have not gotten. I called XX/XX/XXXX with no return call. I still have no answer as to when I will receive my money. I have lost 4 months worth of interest and an investment opportunity.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A