Date Received: 2023-05-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Pnc has been nothing but my worst nightmare. This by far is the worst servicer I have had since I took out my mortgage. Inhave been talking to XXXX but she has done nothing to my acct. She confirmed XXXX were never received by pnc however she was able yo confirm cenlar was holding on to the funds. This lady confirmed on XX/XX/XXXX XXXX has been holding on to the funds for months yet she has the audacity to tell they can not give me credit because payment was short well both pnc and cenlar put me in a situation where neither servicer was professional enough to assist me with missing funds. Pnc decided to do something as soon as I filed a cfpb. Is now XX/XX/XXXX and XXXX XXXX keeps holding on to the funds she has nor record anything to my acct. This could have been avoid if pnc was a good service and cared about the consumer they don't care they are going to mess up my history just because they did not do the work. I have been trying to get this resolved since XXXX yet is now XXXX and still dealing with their incompetence. I wish they would see what they put me through by not taking ownership since XXXX kept refusing to speak with me. They kept sending me back to pnc and pnc sending me back yo cemlat both servicers failed me. I hope XXXX XXXX does something and records funds that she already received. She confirmed all 3 payments were received and they were short I have offered to pay difference and she avoids me. I'm starting to believe she is setting me up for failure. Fix my account, do the right thing and record what was received. Stop committing fraud on my acct. I have had enough of pnc.
Company Response:
State: AZ
Zip: 85041
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act. The list of accounts below by companies have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I notified XXXX, XXXX, and XXXX that a reinvestigation is needed for these accounts. XXXX XXXX, PNC, XXXX, XXXX. 15 USC 1681 604 A section and 15 USC 1681 section 602 A. 15 USC 1681 C. 15 USC 1680 I Charge off account reporting balance and payment. Reporting balance and Repossession. Illegal activity. XXXX reported late payments when account was under deferred status by Department of Education.
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have submitted this complaint before. It was not handled properly. Please help me getting my money back. In XXXX, I visited a business, paid via XXXX in PNC app. The business said the transaction did not go through and they showed me their phone. It showed on my end, it did go through. I called PNC right away to stop the transaction or freeze funds. The Rep told me to just dispute the transaction. I did so per her instruction. I got a letter saying the dispute was denied. I escalated. I got a call today, XX/XX/22, and the Rep said a bunch of meaningless words, XXXX XXXX, and nothing was changed. I don't know what their investigation consisted of. Also, a bot, at the end of the online chat asked me if I wanted a chat transcript, I supplied my email, never received it. XXXX!! Pitiful business practices! They don't care about their customers!! I see they have poor reviews from other customers too. XXXX XXXX XXXX ) XXXX My checks are under XXXX XXXX at the bank.
Company Response:
State: IL
Zip: 60707
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: Both my checking and savings accounts were stolen in addition to my XXXX accounts. I need to get my outstanding debt forgiven.
Company Response:
State: NC
Zip: 280XX
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I am listed on my deceased father 's bank account however my sister who is the executor of the estate is not I have been working with the bank to have her added to the account so she can settle the estate for over a month and a half with no resolution in sight.
Company Response:
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PNC Bank purchased my mortgage effective XX/XX/2023. Bank has not sent any statements, just mail and spam to pressure me into automated payments or on line banking. First call to customer service, they verified that they will send a monthly statement via mail as was the case with XXXXXXXX XXXX, from whom they bought the mortgage. Call today first disconnected, then no one picked up. As far as I can see this institution is not living up to the terms of the loan as it was set in the original contract. PNC Bank XXXX XXXX XXXX XXXX, OH XXXX
Company Response:
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I was scammed out of $ for advertising and marketing services that were paid for with my LLC funds out of my PNC checking account. I notified PNC of the transaction reversals that needed to be done to return the funds for services not received back to my account ( as the funds were returned to my PNC credit card within 72-hours, maybe less than that ). However, I have been chasing PNC around for what will be a year in XX/XX/2023, after providing them with endless documentation to validate the fraudulent scam and an export of the date ranges from my PNC online account with the dates of service and amounts for each transaction. I would like to know when I can expect the funds to be returned back to my account. PNC also does not respect my work hours, as months ago when I first filed the complaint, I took time from my actual Congressional job to devote time to resolving the matter. Unfortunately, PNC 's antics were unbearable and became a waste of my workday so " XXXX '' needs not to call me unless it's on my off-hours ( after XXXX EST ) as I have already provided PNC with well over a handful of documents to support my claim and at this point, the funds need to be returned back to my account before additional branches are forced to close.
Company Response:
State: MD
Zip: 21229
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I received a 1099-INT form from PNCBank, National Association XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XX/XX/2023. It contained personal information of name, address, taxpayer ID, an account number and an amount of interest. Since I had no idea why I received this I made multiple attempts contacting PNC for months trying to find out why they sent this 1099-Int to me. Ultimately transferred to the VP of Executive Client Relations, XXXX XXXX ( P ) XXXX had no idea why and vowed to research until resolved -still no response back. On XX/XX/2023 XXXX XXXX ( P ) XXXX from PNC called me and said they were from a Certificate of Deposit under the business name of XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I asked for more information/ clarification and was told they could not tell me any other information and he stated he could not put that in an email as I requested. I have not personally acquired any CD 's so I am still at a loss of why this " CD '' has my name attached. Please help me to determine what this is all about.
Company Response:
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I received a 1099-INT form from PNCBank, National Association XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XX/XX/2023. It contained personal information of name, address, taxpayer ID, an account number and an amount of interest. I made multiple attempts contacting PNC for months trying to find out why they sent this 1099-Int to me. Ultimately transferred to the VP of Executive Client Relations, XXXX XXXX ( P ) XXXX had no idea why and vowed to research until resolved -still no response back. On XX/XX/2023 XXXX XXXX ( P ) XXXX from PNC called and said they were from a Certificate of Deposit under the business name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I asked for more information/ clarification and was told they could not provide any other information and he stated he could not put that in an email as requested. I have not personally acquired any CD 's so I am still at a loss of why this " CD '' has my name attached. Please help me to determine what this is all about.
Company Response:
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: RE : PNC Bank 's wrongful dishonor of my properly payable check and PNC 's response to my initial complaint I thank XXXX XXXX for responding to the CFPB regarding my complaint that PNC wrongfully dishonored my properly payable check. For the most part, XXXX XXXX response merely reiterates my statements and provides little substantive information. Over the period of months during which I was a PNC customer, PNC Bank established a pattern of no-written-response to my contacts on the PNC website and to the email account of the XXXX branch manager as far as I am aware. XXXX XXXX did not provide a written response to my XX/XX/2023 email request to cancel the dishonored check until the written response submitted to the CFPB ; instead she merely emailed a request for a telephone conversation. XXXX XXXX statement via the CFPB that the dishonored check is the subject of a stop-payment order is welcome notification. I ask that XXXX XXXX clarify the issues by identifying in writing and in detail the certain circumstances that authorize PNC employees to refuse transactions by providing written bank protocols that identify those circumstances. I ask that XXXX XXXX identify those certain circumstances in the written material provided to me at the time I opened the accounts by page number and by paragraph on the designated page. In addition, I ask that XXXX XXXX clarify and identify the specific circumstances that authorized PNC Bank employee ( XXXX ) to refuse the transaction in the case of the wrongful dishonor of my properly payable check. The sole transactions in my PNC Bank accounts were large or large-ish dollar amounts ( with the exception of a single $ XXXX XXXX deposit of a cashiers check drawn on XXXX XXXX Bank ) between generally recognized U.S. financial institutions into the accounts and then out of the accounts, again solely to other generally recognized U.S. financial institutions XXXX These large-dollar-amount transactions constituted NORMAL, USUAL AND CUSTOMARY account activity for me in my accounts at PNC. There were no other transactions. All transactions ( with the single $ XXXX deposit of a cashiers check exception distinguished above ) including the wrongfully dishonored properly payable check share identical attributes : large-dollar-amounts drawn-on and payable-to generally-recognized legitimate U.S. financial institutions. It appears XXXX XXXX and/or other PNC employees may not understand the test for normal transactions. I ask that XXXX XXXX provide copies of written instructions, policies and protocols for judging whether a specific transaction is normal for the specified customer in that customers accounts at PNC Bank.
Company Response:
State: MD
Zip: 21701
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A