Date Received: 2023-05-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The Florida XXXX XXXX Assistance XXXX ( HAF ) approved and have been sending {$430.00} monthly mortgage payments to PNC Bank. According to XXXX from XXXX, on XX/XX/XXXX, XXXX sent PNC bank the mortgage payment that is due XX/XX/XXXX and PNC cashed the funds from XXXX on XX/XX/XXXX. Is already XX/XX/XXXX, and the mortgage payment that PNC received and cashed on XX/XX/XXXX from XXXX has not yet been posted to my mortgage account for due date XX/XX/XXXX. I have called PNC mortgage customer service, PNC XXXX clients relations and spoken to XXXX XXXX, Twinkle and others in the past XXXX weeks I have been told the same story ... ... that PNC is looking into it, but that it should be posted or I should get an answer in 3 days or so. First week in XXXX passed and no answer, XXXX week passed and no posting of the payment and no answer, XXXX week passed and the same and all along I have been on the phone various times each week inquiring about status of the posting to no avail. On XX/XX/XXXX, PNC bank charged me a mortgage late fee of {$14.00} for a payment they received from Florida XXXX but have not yet posted to my account. On XX/XX/XXXX I received a phone message from PNC Bank XXXX department. I called the mitigation department on XXXX, XXXX and was told it was regarding delinquent mortgage when fact my mortgage is NOT delinquent and PNC bank has been holding the HAF payment due XX/XX/XXXX for XXXX weeks. I told mitigation to read the notes on my account and the XXXX department told me that they see I have been calling and working with PNC XXXX customer relations. XXXX from XXXX relations tells me that she sent messages to the PNC XXXX XXXX representative who is suppose to look into this and approve the payment for posting and should get an answer in 3 days and I have been told the same thing for XXXX weeks. Where is the XX/XX/XXXX funds that PNC received and cashed from Florida XXXX for my mortgage due date of XX/XX/XXXX and how come they have not posted the funds to my mortgage account? It seems to me that the right hand does not know what the left hand is doing within PNC bank various departments and the latest funds that PNC received and cashed from Florida XXXX is being misappropriated to somewhere else and I have been given the run around. When is going to post the funds to my mortgage account? I ha.
Company Response:
State: FL
Zip: 33709
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Once again the PNC Branch located at XXXX XXXX XXXX XXXX XXXX Pa XXXX is displaying vindictive behavior because I reported their Window Clerk XXXX for purposely having her shirt buttoned opened way too much now on today at this same branch I was unable to use my Debit Card to deposit money into my Savings Account. I went inside the Branch and the Security Guard was illegally playing the role of the Bank Host and he got the Bank Manager and inquired her of the matter and she verbally stated that this wasnt her XXXX problem
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PNC Bank sent me a statement that there is an escrow shortage of {$7800.00} and increased the monthly payment even though they can not tell me why there is an escrow shortage or where the escrow money is going. My wife and I have been trying to get answers from PNC for about a month now. There was an escrow balance of XXXX, then 4 months later, a shortage of {$7800.00} so a swing of {$17000.00} in 4 months and PNC can not tell me why, " just pay it ''.
Company Response:
State: TX
Zip: 77706
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX a withdrawal showed up in our checking for {$77.00}. It supposedly was to XXXX of XXXX Ohio.. That same day I went to the bank and disputed the claim and canceled my debit card. I then searched on line for XXXX of XXXX Ohio and actually drove to that address that was on line. They had never heard of us before and we were not in there system ever. When we got the reply back from the bank they claimed it was valid and we had actually used a chip. This absolutely wasn't true so I disputed the claim again.and I requested the address and contact information for the business. This time it came back as a utilities company with no address or telephone number. I searched on line again and XXXX of XXXX Ohio came back as a marine recruiter. We have not lived in the XXXX XXXXXXXX area for 10 years so I highly doubt it was a utilities bill. I'm hoping by now you're convinced that the bank didn't even investigate this. I've talked with the bank PR person several times and she couldn't even get me to the correct extension and basically told me to not call back because they wouldn't be willing to share any information. All I really request is a valid name and address or put the {$77.00} back in my account and I'll quit bothering them. I've been with this bank since approximately XXXX when ever they took over XXXX XXXX. I hope you can help me. Thank You!
Company Response:
State: OH
Zip: 448XX
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: To whom It May Concern : I have been a PNC Bank member for 20 years. I have never asked for a credit card increase. I did so on XX/XX/XXXX to take advantage of a 0 % transfer offer. I was told on the phone that the increase was approved and I would receive a letter detailing the new limit. Instead, I received a letter today saying I was denied because of either a ) my credit score, b ) late payments c ) credit line balance or d ) amount owed on my PNC card. However : XXXX. My credit score is XXXX ( it states that on the letter ) XXXX. I have had zero late payments. XXXX. I paid off my home equity loan, so my balance is XXXX. XXXX. I owe {$10.00} on my credit card, which I pay off every month. I earn {$120000.00} a year. I have had the same credit limit for 20 years. No one at PNC can explain why I was denied when I provide information that none of the reasons they claim are true. There seems to be some fraudulent behavior happening on the bank 's part because they would rather I use the money on my high interest home equity loan than take advantage of the 0 percent credit card deal. I look forward to the bank 's review of its credit assessment issues. Feel free to contact me with any questions.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: This PNC account at was my father 's, who passed away on XX/XX/XXXX. I went to the XXXX XXXX NC branch prior to his death and presented my POA papers to scan/fax to the appropriate department. After his death, I went to the XXXX, NC branch and took his death certificate and paperwork from the attorney and asked what additional paperwork I needed to be listed on the account. They said there was no record of any POA paperwork on the account or my name anywhere on his account. I told them we would be selling the property to pay off the account. They took my paperwork and faxed it to some department ( not sure where? ), and told me to check back in a week. I went back the next week and they said there was no record of my paperwork and they would need to fax it all again. They assured me I had everything I needed and it would get to the right department and to call back in a few weeks. I called back a week before closing and there was still no record of any paperwork or my name on this account. By XX/XX/XXXX, the closing attorney said we could not close because I was not listed as successor on the account. On XX/XX/XXXX I went to the XXXX, NC XXXX branch and again had them fax all of my paperwork in. They sent me over to speak with XXXX XXXX at the XXXX XXXX. XXXX called XXXX XXXX at the XXXX office who was extremely rude and told me that I had not turned in my " successor packet '' and there was no way we would be closing on Monday. This was the first time anyone at PNC informed me of the packet. XXXX was kind enough to print off the packet information and FAX it again to the probate department. XXXX would not let him email it. I went home and contacted the probate department again and XXXX XXXX asked me to email it to her. She asked for my previous marriage licenses. Which took me until Monday XX/XX/XXXX to get. This pushed closing back to the XXXX. I was told I needed a letter from PNC stating the account was frozen so I contacted them on the XXXX asking for that. Probate again told me they had to send a request off to another department but would escalate it. I specifically asked them to email it, however I found out this morning they mailed it instead. This will push closing back again.
Company Response:
State: NC
Zip: 27284
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am a XXXX XXXX and suffer multiple conditions including XXXX. Around XXXX on XX/XX/2023, my phone rang and the caller ID stated " PNC Bank XXXX. I have two accounts with them, but currently carry no balance and never authorized them to conduct sales calls, so when I saw them calling I instantly had a XXXX XXXX, with my XXXX XXXX and XXXX XXXX jumping to unhealthy levels believing that I was the victim of fraud! I answered the phone and the young lady began to give me a spiel saying that she was calling to " help '' me and wanted to schedule a better time so that we could speak about PNC 's products that could help me. ... I responded, already in an altered state, " Ma'am, I have never signed anything allowing PNC to solicit to me on my mobile, why are you calling? '' she stated that she was not soliciting, that she was only calling to help? Help, I never asked for their help. At this point I'm having trouble breathing as my XXXX XXXX continued to climb. I asked her to transfer me to a supervisor, to which she replied, " she's at lunch ''. I then repeated my request to speak to a supervisor on the floor, to which she then said " I'm going to place you on hold '', a hold that was never released. This is not only breaking the law concerning solicitation, to my mobile number no less, but has caused me XXXX XXXX XXXX XXXX XXXX XXXX for what, to try and sell me products I never asked for or need?
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I am a victim of identity theft and fraudulent transactions started happening on both of my PNC checking accounts since XX/XX/. It is now XX/XX/XXXX and I have spoken to numerous customer service representatives and fraud detection services. PNC failed to put holds on my accounts after the initial fraudulent transactions occurred enabling addition fraudulent transactions to occur. I have been told several different wait times as to when the various transactions can be disputed and that they can not be disputed when they are pending, they must be fully posted to dispute. PNC has been negligent in regards to protecting my account and security. I was told that I now have to wait even longer for reimbursement of the disputes, leaving my husband and I with currently no money and that I can not close either of the PNC accounts until the transactions are fully posted and disputed ( disputes may take up to 90 days ) even though some of the transactions were ACH. PNC 's policy states that if a fraudulent transaction occurs via ACH the customer may close the account and obtain a new account while the disputes finalize. I have been a PNC customer for approximately 10 years and I am honestly shocked at the lack of action they have taken regarding this matter.
Company Response:
State: MI
Zip: 48080
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This is in reference to my last complaint # XXXX, I was working with XXXX XXXX to rectify the foreclosure that was filed against me. I had until XX/XX/2023 to submit the necessary documents, which were submitted on XX/XX/2023 to prevent foreclosure to receive loss mitigation. I corresponded with XXXX on XX/XX/2023 and I have not received a response to my inquiry and corresponded again on XX/XX/2023 to confirm receipt of the documents, as the loss mitigation fax machine was busy or not plugged in and I have not received a response. Since, the loss mitigation fax machine is out of service and I'm not sure if my documents were sent to the loss mitigation department, which is why I am sending a second complaint. On XX/XX/2023, I was served with a summons for foreclosure from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, while trying to reconcile with PNC. I need to know, if PNC is continuing to foreclosure on the property, while I am trying to simultaneously resolve the issue. That way I can prepare my family. I corresponded with XXXX on XX/XX/2023 and I have not received a response to my inquiry and corresponded again on XX/XX/2023 to confirm receipt of the documents, as the loss mitigation fax machine was busy or not plugged in to receive faxes and I have not received a response. Since the loss mitigation fax machine is out of service and I'm not sure if my documents were received is the reason why I am sending a second complaint since I have not received a response. In addition, I need to know if I am not qualified for the loan modification, and if that information is withheld from me, while PNC is moving forward with the foreclosure proceedings since I was served, is considered a violation of foreclosure fraud according to Maryland law. I need to know several things and I prefer for all correspondence to be in writing via email moving forward. First, if the documents were received. Second, if I still qualify for a loan modification, and last my request to withdraw the petition/summons for foreclosure.
Company Response:
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was sick in XX/XX/2023. I had XXXX XXXX & requested for Forbearance from Fannie Mae via PNC Mortgage, Loan Servicer, but unfortunately, PNC Mortgage didn't forward me the rejection Fannie Mae, the Investor of my Loan. I have Doctor 's Letter to support my statement & can be shared, if requested. It's very unfortunate that PNC Mortgage is Possibly violating Cares Act & may also involved in Possible Discrimination. I strongly believe that PNC Mortgage is behaving this with me because I am a XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I want CFPB to take action against PNC Mortgage for harassing XXXX XXXX XXXX & XXXX & not proving requested relief as per the Cares Act & start an investigation by Department of Justice for possible Discrimination & possible violation of Cares Act.
Company Response:
State: MD
Zip: 20906
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A