Date Received: 2023-04-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I requested PNC Bank close my escrow account. I received confirmation from PNC that escrow account closure was approved. PNC letter dated XX/XX/XXXX, to close escrow account requested closure fee {$900.00} + negative account closure balance {$3800.00} = {$4700.00}. I returned PNC signed consent form + I sent PNC cashiers check {$2200.00} + I paid 2nd quarter XXXX XXXX property taxes which was becoming due the XXXX of XX/XX/XXXX of {$2500.00} = {$4700.00}. PNC Bank now owes me {$400.00}. PNC is refusing to close escrow account and is demanding I return payment to them of {$2500.00}, the exact amount of confirmed property/city taxes paid to the XXXX of XXXX XXXX XXXX I have been in contact with XXXX XXXX, XXXX at PNC Bank, Executive Client Relations ; who has gone incognito as of Friday, XX/XX/XXXX. On Wednesday, XX/XX/XXXX I called PNC Customer Support and was told they could not help as this matter has already been escalated. My mortgage account has been abandoned and is racking up unnecessary fees, which I know will be removed by PNC. I was told by PNC Customer Support they could not help as this matter has already been escalated. I find the whole thing preposterous. It was PNCs gross neglect of my account which caused a negative escrow balance to arise in the first place. And now similar to creating a negative escrow balance by failure to properly pay automated property taxes, PNC 's gross neglect of my account to close escrow is causing me severe anxiety and distrust of this institution. PNC should acknowledged that escrow has been closed. PNC is still escrowing - why? I do not want PNC in my account other than to accept mortgage of {$1800.00} which becomes due on the XXXX of each month. Kindly return overpayment PNC check to me of {$400.00}.
Company Response:
State: NJ
Zip: 08857
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2023 I pulled my credit report and noticed that a an auto loan was reporting on my credit report as inaccurate information. I tried to dispute the inaccurate information with all three bureaus first before reaching out to PNC BANK. All three credit bureaus responded back immediately and no chances was made to my credit report. I then sent a certified letter on XX/XX/2023 to PNC BANK requesting documentation of my repossession. They respond back on XX/XX/2023 with only collecting agency documents they have failed to comply with my request as I stated in my letter. That a violation of FCRA and under the law of the state of Illinois UCC code 810 ILCS 5/ and States RISA and MVISA statutes a deficiency can not be claim unless all of the required notices was properly and timely giving. I never received any documentation as requested if no such proof cant be provided please consider null and void, any continued collection activities continue reporting. I want this resolved immediately because theyre hurting and causing harm and mentally and physically anxiety. I cant buy a new vehicles due to the damage theyre causing me reporting inaccurate information on my consumer credit report.
Company Response:
State: IL
Zip: 60438
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Hello. PNC bank had not credited me with the correct appropriate interest amount for 21/2 years ( from present going back about 2 1/2 years before ). BACKGROUND INFO -- -- -I had my account first opened at XXXX XXXX and had subsequently moved to XXXX XXXX I had notified the bank of my change of home address before I had physically moved from XXXX. to XXXX about 2 1/2 years ago. The bank only changed my billing address ( when they send letters/ notices/ etc ), BUT NOT my complete IT personal profile which should have included my entire banking computer record that would reflect whatever my official new state of residence banking structure/ system should be ( including the interest rate for the state of my new residence should be ). During those 2 1/2 years, the interest rate that they are/ were paying the XXXX residents is much much lower than what they're paying the XXXX residents ( even up to the present time ) -- - huge huge difference -- - for XXXX it was just about 0.01 % -0.025 % and for XXXX, it is about 4.5 %! The bank didn't even notify me of such huge rate difference between the two states during that entire time period even after I notified them of my residence state change. Neither did the bank let me know that they didn't change my complete internal IT customer profile system that would entitle me to the higher XXXX state interest rating structure. Therefore, I was cheated out of significant interest amount that I should be earning for that 2 1/2 years -- ie, the much lower XXXX interest rate ( versus the higher XXXX rate that was I supposed to be credited with during that 2 1/2 years ) on a significant sum of money deposited in my bank accounts there ( high XXXX of deposit money ). Since the bank did not change my computer profile to XXXX state for that period of time ( even after I had notified them of the change of my residence state in the prior 2 1/2 years time period ( -- - the evidence is very clear-cut because the bank had mailed materials to my XXXX state residence during that time period ). I was credited with the low low interest rate of XXXX. state during that 2 1/2 time period ( up to just 3 weeks ago when I realized this injustice committed by the bank by visiting a local bank branch here in XXXX XXXX.did they allude to me the truth ). I had complained personally ( about 3 weeks ago ) to the XXXX branch office ( XXXX XXXX, in XXXX XXXX -- XXXX XXXX XXXX -- supposedly manager ) and had also complained to the corporate HQ Executive Client Relation Department ( XXXX XXXX XXXX -- supposedly the highest level personnel in that department, as I was told ; ; plus some other lower level employees also, of which I have a record of all their names and the time and dates of my conversation with them ) to no avail, in spite of spending almost 14 hours of my time in explaining & presenting all these facts/ evidences to those people involved in this situation. CFPB -- - Please help in resolving this issue. Much appreciated. XXXX XXXX
Company Response:
State: TX
Zip: 77479
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This is an ongoing problem since XXXX when my checking account with PNC was unexpectedly closed after complaining about a dispute filed with them about a prior complaint here about XXXX. Instead of investigating, after initially working with customer service for over an hour, the escalation team took the shortcut approach for employees at XXXX who committed numerous overcharges and refunded one entire charge which of course meant more accumulated disputes. That misconduct then triggered a closure of all accounts, giving me the boot though no answer to my question was ever given. That notice was not received until the card could not be used, the letters came post-closure. A complaint filed about the treatment was met with retaliation from the Executive Client Relations Group starting with my check not being released when they said despite multiple requests until posted on social media, 5 days later, the money I transferred to a new bank account ( XXXX ) was taken OUT by a team member at PNC through my linked account and cleared payments like the rent was reversed. I then realized it was likely racially motivated once I remembered my avatar was an actual photo and removed it at that time of course, too late. They knew I was 100 % SSDI with proof sent but it did not matter. The check received was over XXXX 's limit and PNC refused to split it with lies and false info like calling it 'layering " until a demand letter was mailed with the check back to the head of retail ( XXXX ) and HR ( Henn ) This is 4 months later and PNC was told I had to borrow from a 3rd party who someone called XXXX XXXX XXXX the layering liar, even spoke to, offering tracking numbers as well so thinking the nightmare was over, got us two checks but they tolo were rejected by XXXX XXXX I saw then the routing numbers and check looked funny and googled it. It was a routing number for a wire transfer then verified by branches surprised to see it was for a deposit. When I called her it was more lies ; they have different accounts and different checks though all prior checks received, none looked as paper think or greyscale but with an orange logo and identical numbers. Only this split check was different. She also had no answer for why you need a paper check for a wire. I decided it was best to cut all communication, send those checks back as well, and to my horror, discovered my XXXX account was restricted, now almost a week. So, frustrated that someone who lent money can not get it back, the last straw is an official complaint. A direct wire request was refused though a deposit slip had a wire routing. PNC can't demonstrate more intent than that one.
Company Response:
State: GA
Zip: 30813
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have been in contact with PNC retail banking division from XX/XX/202 re : text messages should I have low funds in my business checking account. From XXXX XXXX the bank has been taking overdraft fees from the business checking account without initiating the text messaging alerts. As of XX/XX/, I have been attempting to reach XXXX XXXX re : case number : XXXX. There has been no response. I have been severely impacted by the bank 's refusal to provide an email or call. My rent was delayed in XXXX and I had to use my emergency funds to make payments although late. I had to defer payment on the monthly cell phone bill. These on-time payments in a recession are the key for average consumers to be able to make bigger purchases. If I can not get assistance for such a small action, then I am forced with great reluctance to switch banks and move to banks such as XXXX.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have applied for a used car loan for dealership at XXXX XXXX located in XXXX, LA. There were 7 creditors that have made hard inquiries to my XXXX credit report, and they refused to remove them when XXXX XXXX took over for my car loan. By Federal Law, Credit Bureau Agencies I was told by XXXX can not honor request by consumer. The hard inquiries prevented me from applying for a credit card XXXX XXXX XXXX XXXX XXXX. XXXX, LA. XXXX XXXX The following companies made credit inquiries on my report that have no financial activities on my report and should be removed : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. PNC Bank XXXX. XXXX XXXX XXXX XXXX XXXX. Second Credit check was done by XXXX XXXX
Company Response:
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I sent several letters of goodwill to PNC which included a 30 day failure to respond, 60 failure to respond. Their timeline to respond was over 30 days and should by law have the negative information they are furnishing removed.
Company Response:
State: IL
Zip: 60647
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: PNC Bank closed my checking account on XX/XX/2022 as per my request, but my saving {$43000.00} has not been returned to me. I emailed the bank 's case manager on XX/XX/XXXX. The case manager called me the next day, confirmed the check was mailed out and suggested me waiting for another month. But, the check never came. I emailed her again on XX/XX/XXXX and XX/XX/XXXX. She did not reply. So I mailed a letter to Customer Service at XXXX on XX/XX/XXXX. The bank never replied my letter in writing, but the case manager called me on XX/XX/XXXX and XX/XX/XXXX. She told me I needed to fill an application form due to the big amount on the check. Why did she not tell me the first time the form was required? I doubt about the check had ever mailed. OK, I requested her to email me the form. She said she was unable to do that because of the company 's policy. She was not allowed to reply customer 's email. It sounds so weird. I have her email address because she emailed me before. OK, I did not insisted on that. She said she mailed me the form. Normally it took 7 days to arrive. Today is XX/XX/XXXX. 27 days has gone. I have not received the form yet. I am very disappointed. I am submitting this complaint and looking forward for a resolution. Thank you for your time.
Company Response:
State: MI
Zip: 49015
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: XXXX Concerning the above, the company has refused to honor the {$400.00} sign on bonus. The XXXX bonus was never mentioned in the paperwork I signed, although it mentioned the XXXX minimum deposit that we complied with. On the 38 pages of disclosures we never seen the promised deposit of the XXXX. The bank refuses to answer my calls and emails. The bankers never presented a durect deoosit slip. They never mentioned the terms of the bonus. In three occasions.
Company Response:
State: CA
Zip: 92083
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I had a fraud issue on my business checking account. In XX/XX/2022 I wrote a check from PNC Bank of amount {$1000.00} to pay car loan, but this check was stolen, altered to another name for {$4000.00} and withdrawal by somebody from my checking account. I contacted to PNC Bank, reported a Fraud. They sent me a letter dated XXXX XXXX! with time frame regarding the proofs, but I received a letter XXXX XXXX! I send all proofs by XXXX. Finally I received a letter from them dated XXXX that said they denied my claim.
Company Response:
State: OH
Zip: 43230
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A