Date Received: 2023-04-17
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I set up a payment for my state Taxes for my small business on XX/XX/2023. Shortly thereafter PNC Decided to freeze my funds because of a dispute regarding the proof of identity and my address documents which I sent in. As a result I have been assessed a {$50.00} NSF fee from the State for the electronic transfer not going through. This is the direct result of PNC Bank 's unlawful freeze of my funds which have now caused me a financial loss.
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Problem with customer service
Subissue:
Consumer Complaint: My mother died on XX/XX/2023. I have been hassiling with pnc bank to get my share of an inheritance from an ira held by pnc bank. I have filled 4 or 5 different forms they keep coming back with excusses as to why they can not disperse the money. The lasI have recieved lie after lie from a woman named XXXX.
Company Response:
State: MI
Zip: 49441
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am accusing PNC of dual tracking my mortgage from XXXX, charging excessive fees after refusing final trial payment of approved modification, and then accelerating my loan and proceeding with foreclosure before my modification request was denied or time allowed for appeal. In addition to failing to credit more than {$11000.00} in payments, inaccurate credit reporting, and failure to respond to Notice of Error letters in allowed time or at all. The mishandling and deceptive actions by PNC spanned over years and caused financial devastation for me and my family. We are still suffering from the fallout of their deception. Here is an overview of what happened during that time. Additional documentation, confirmation available on request. I purchased my home in XXXX of XXXX with my then husband, XXXX XXXX. XXXX XXXX and I separated in XXXX and our divorce was finalized in XXXX of XXXX. I was awarded the house and a Quit Claim Deed, signed by XXXX XXXX, was filed with the county. I remarried in XXXX of XXXX and informed PNC of my changed marital status and last name. I reached out to PNC the end of XXXX after I had missed XXXX payment. I filed XXXX XXXX bankruptcy, with my current husband, on XX/XX/XXXX. At the time of filing mortgage payment arrears totaled {$4300.00}. I was then 3 months behind in payments. In all of my communications with PNC I indicated my desire to stay in the home and corrected them in regards to my current legal name. The XXXX XXXX bankruptcy plan mandated I was to pay {$1400.00} a month directly to the bankruptcy trustee. The {$1400.00} was to pay lenders as determined by the bankruptcy court. Current mortgage payments to PNC were part of that order. Additionally I was instructed to continue pursuing my hardship modification request directly with PNC to address the {$4300.00} arrears. I made several attempts to contact PNC regarding my request for modification. I was told that PNC could not speak to me directly and had to go through my bankruptcy attorney. PNC had begun to call myself and my ex-husband numerous times but most times we could only get information if we let the calls ring through to voicemail. If we attempted to answer the call it was dropped before reaching a live person. There was some delay in PNC and my bankruptcy attorney actually speaking because PNC kept calling regarding XXXX and XXXX XXXX. My attorney filed for a XXXX and XXXX XXXX. PNCs failure to change my name in their system resulted in more delays. Once my attorney and PNC spoke and they were given the authorization to contact me directly regarding the modification for past due balances I was given instructions on what to submit to officially apply for a hardship modification. I submitted all requested documentation, including another copy of divorce decree and quit claim deed from XXXX XXXX and marriage certificate from XXXX XXXX to PNC on XX/XX/XXXX. I received a letter from PNC dated XX/XX/XXXX asking for more information and further clarification on certain items. I submitted all documents as requested and on XX/XX/XXXX I received a letter from PNC indicating they had received my complete hardship assistance application on XX/XX/XXXX and I should hear something from them within 30 days of that XX/XX/XXXX date. I received another letter from PNC dated XX/XX/XXXX indicating again that they had received my completed application as of XX/XX/XXXX. XX/XX/XXXX it was determined that I pre-qualified for the Making Home Affordable HAAMP Modification pending the completion of a Trial Period Plan. I was to make three monthly payments of {$1200.00} beginning XX/XX/XXXX with the final payment due on XX/XX/XXXX. At this time the total amount last due on my account was shown to be {$12000.00}. I was continuing to receive monthly mortgage statements and was very confused with the information. It looked like PNC was not receiving any payments towards my mortgage and had not received any payments since filing for bankruptcy. I knew that was not correct because I was getting monthly account details from the XXXX XXXX XXXXrustee. I checked in with my bankruptcy attorney regularly and he confirmed payments were being sent per the chapter plan. In XXXX of XXXX I received a letter from PNC, dated XX/XX/XXXX, that stated this Dear customer, the review of your hardship assistance request has been completed. Unfortunately, as of XX/XX/XXXX we are unable to proceed further with your request for assistance due to the following reason ( s ) : We did not receive your scheduled plan payments as outlined in the agreement. I also received a Foreclosure Notice also dated XX/XX/XXXX. I contacted my attorney immediately and asked if I needed to be concerned about the inaccurate statements and the unclear revolution of the trial period plan He assured me that everything was fine and I was protected by the bankruptcy so I would not lose my home. I received some court papers in the mail in XXXX that indicated my bankruptcy case was being dismissed for failure to complete the trial period plan ( not accurate ) and not having the pre bankruptcy arrears resolved ( direct result of PNC returning final payment ) I later discovered that the trustee sent in several payments to PNC over the life of the bankruptcy case including submitting all three payments as outlined in the TPP. PNC returned the third and final payment and told the trustee the payment was being returned and all other payments should be held because they were granted relief from the automatic stay ( well before they ever approved me for the TPP ) so they were instead Accelerating my loan and the entire balance was due immediately. According to the bankruptcy trustee PNC was sent and accepted more than {$11000.00} on my behalf. PNC could not give me any explanation as to where those payments went. Once the bankruptcy was dismissed ( on PNCs encouraging ) I found myself in an active foreclosure and well behind the eight ball. It wasnt until after I received the Notice of Trustee Sale I was even able to speak to someone at PNC about my account. I contacted the XXXX XXXX XXXX XXXX XXXX ( XXXX ) Housing Program and attempted to request mediation but was then informed that PNC is exempt from participating in any mandatory mediation programs. With help from XXXX I requested a meeting with the lender. Days after requesting that meeting I was contacted by someone in PNCs Loss Mitigation department stating my account was back with them. At first they told me I did not qualify for a hardship modification because I failed to complete the previous TPP. I disputed that with the rep and was then contacted days later and was told I needed to submit a hardship assistance request and there had to be recent hardships that didnt exist on any previous requests or I would be denied. Now I want to mention that during this time and up until very recently I have made multiple inquiries as to the {$11000.00} + payments sent in by the trustee. I made a request that they correct my name every single time they called. I was issued a complaint number in XXXX but it still wasnt until XXXX I received a call saying they had changed my name. My ex-husband sent in a declaration and I submitted a quit claim deed, marriage certificate, and divorce decree more than half a dozen times with no response or resolution.. It is unclear the total amount of fees and penalties Ive been charged since this began or even since XX/XX/XXXX when the original permanent modification should have begun. I feel {$11000.00} paid to PNC by the trustee should be refunded to me. I feel PNC should take some accountability for the status of the loan since XX/XX/XXXX. They charged me a whole year of various charges that would not be so had they honored the modification agreement. I had to sell my home so I could purchase a much needed modified accessible vehicle even though I had over {$300000.00} of equity in my home I could not access any of it. I could not get a loan for anything or secure permanent housing after the inaccurate credit reporting, dismissal of bankruptcy, and unlawful foreclosure attempt. I have documentation to verify all statements made and can provide it if requested ( Trustee declarations and motions, attorney conversations, letters and statements from PNC, any items submitted as part of hardship assistance requests, statements form my current or ex husband, etc ). PNC never responded to several Notice of Errors addressing my concerns and any response to credit repair attempts simply say enough information has not been provided to justify an investigation into my claims. If you need to contact me, my currrmt contact information is following this statement. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX
Company Response:
State: WA
Zip: 99301
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXXXXXX XXXX there was provisional adjustment made on my checking account that had the original transaction date from XX/XX/ to the amount was for XXXX this was not authorized. It was done at a XXXX in XXXX Ohio my bank said it made several investigations to which they said it was a legitimate claim, I called XXXX an got in contact with their department that handles these transactions. They can not find any record of this transaction whatsoever. I have submitted at least 4 claims to the fraud department at my bank, to which they keep saying it is a legitimate transaction, but XXXX has no record of this transaction the person who is from XXXXXXXX from the credit customer service department is XXXX XXXX her phone number is XXXX. She can not find any record of this transaction. EMail XXXX I have been trying to resolve this with the bank and XXXX since XXXX. Thank you XXXX XXXX
Company Response:
State: OH
Zip: 453XX
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My loan was purchased by PNC Bank, and since purchasing I have had nothing but issues. The first payment was missapplied, I had to call 5 times to get this resolved. I had more issues with funds being missapplied. I have paid using the same bank account and information since XXXX but for some reason the XXXX payment was lost. They are charging me a late fee, but the funds were deducted from my bank on the XXXX, the payment was made on the XXXX. I received a phone call today, the XXXX letting me know the funds were never received. I asked to file a formal complaint, since we have had so many issues. Issue is still not resolved. I have sat on hold for hours trying to resolve. PNC is XXXX of the worst service providers I have had for my mortgage. I never had an issue with XXXX mortgage, but since they sold my loan it has been nothing but issues. It feels like they are continuously trying to make my mortgage default. I have never missed a payment and have a XXXX XXXX XXXX XXXX. Worst mortgage servicer ever.
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I received a phone call from a woman I didn't know on a number I didn't recognize. She said she was with PNC and my credit card had been compromised. She said that if I verified my address she would send me a new card. I thought it was a scam. It sounded exactly like a scam. I told the woman I would call the bank in the morning. Turns out it wasn't a scam. It is difficult to imagine why an organization that is susceptible to phishing attacks would think it appropriate to make a telephone call like this. They should have simply said " don't be alarmed but we had to change the number of your credit card account. You'll receive a new card soon ... '' I appreciate that the bank is doing everything it can to prevent fraud but I'm sure everyone will agree that their telephone call was inappropriate and less than professional.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX PNC Bank has terrible reviews across the internet for good reason. And they have been ripping me off FOR MONTHS. I tried in good faith for THREE MONTHS to work in person to get my issues resolved, but their flippant responses and continuation of bad practices were impossible to deal with. THEY DO NOT CARE ABOUT THEIR CUSTOMERS AT ALL. This is what happens when you have ONE BAD ACTOR at the helm, who has named himself CEO, president and chairman of the board. Specifically, the terms of my loan are that I owe INTEREST ONLY, but if the interest only is less than a {$75.00} minimum monthly payment, I will have to pay {$75.00}. This was reiterated to me on the phone by someone named XXXX at around XXXX XXXX on XX/XX/22. The BALANCE of that {$75.00} minimum payment should have been APPLIED TO PRINCIPAL, but instead, PNC Bank stole the money. On XX/XX/XXXX, {$75.00} - {$11.00} actual interest owed per statement equals {$63.00} stolen from me. On XX/XX/XXXX, {$75.00} - {$28.00} actual interest owed per statement equals {$47.00} stolen from me. On XX/XX/XXXX, {$75.00} - {$49.00} actual interest owed per statement equals {$25.00} stolen from me. On XX/XX/XXXX, {$75.00} - {$57.00} actual interest owed per statement equals {$17.00} stolen from me. PNC Bank owes me {$150.00} PLUS INTEREST accrued using their usurious math - backdated to the dates when they originally stole my money. -- -- -- - Apparently my annual fee is assessed in XXXX each year. PNC statements are difficult to read, but I have reviewed them closely. They are attached. I have no quarrel with the annual fee. THIS ALL COULD HAVE BEEN HANDLED IN PERSON. Furthermore, I find it reprehensible that I can not make a principal payment unless I do it on the 12th of the month, and in spite of making every effort to be a good customer and pay off my loan, they want to get their FEES FIRST no matter what. What a terrible, awful company. I miss BBVA so much.
Company Response:
State: AZ
Zip: 85008
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: The interest on the loan isn't correct the interest rate is 3.14 % the original loan was {$27000.00}. The due day is normally around thr XXXX of each month I am making early payments.For example on Date. Principal. interest. Total XX/XX/XXXX. {$400.00}. {$60.00}. {$460.00} XX/XX/XXXX. {$400.00}. {$48.00} {$450.00} XX/XX/XXXX. {$6.00} XX/XX/XXXX. {$410.00}. {$56.00}. {$470.00} XX/XX/XXXX. {$420.00}. {$44.00}. {$470.00} XX/XX/XXXX. {$400.00}. {$50.00}. {$450.00} XX/XX/XXXX. {$11.00}
Company Response:
State: WI
Zip: 53209
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On or about XXXX I received notice from XXXX that an account was opened or attempted to open using my SSN with PNC Bank N.A . I have never applied for anything with PNC and and any application they have received is fraudulent. I immediately attempted to contact PNC Bank and they refused to act on my complaint. They refused to acknowledge that they received any application using my SSN. They subsequently refused to reveal what, if any credit reporting agency or specialty credit reporting agency they accessed to obtain my information.
Company Response:
State: CA
Zip: 92037
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I closed an account with PNC bank in XXXX XXXX NJ on or about XXXX XXXX. A left over balance was sent to me with a check # XXXX and the routing of the check is ( XXXX XXXX XXXX ) dated XX/XX/2022. I was away for a few months. I tried to cash it on or about XXXX XXXX and it was denied payment because the check was passed 120 days. The told me they would send me a new one. On XX/XX/XXXX I tried to cash the same check since they did not sent me a new one. The branch manager refused to assist me and would escalate the issue to their superiors. I call the main office and I was on the phone for XXXX XXXX and XXXXXXXX XXXX They could not find the account or make good on the check. They open an investigations which has gotten nowhere. Please help
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A