Date Received: 2022-02-10
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: In XXXX of XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX PA. This vehicle was financed through PNC Bank of XXXX. On XX/XX/XXXX, I contacted the bank for the amount of the total payoff. I was told that the payoff was {$25000.00}. I withdrew the money need for the payoff out of my personal bank account and purchased a cashier 's check from XXXX XXXX in XXXX XXXX, for the amount of the payoff and sent it to PNC Bank.I have the bank statements to prove that this transaction was made. On or around XX/XX/XXXX, I was contacted by PNC Bank and told that my payment was received and that I would be expected to receive my title within a week or two. Within the time of me making the payment and them calling to say they received it PNC Bank attempted to take {$38000.00} from my bank account. My bank did not allow the payment to go through as it was not an authorized payment. A year later PNC Bank stated that they never received my payment, so I sent all the paperwork I had regarding this matter. Another year went by with no contact, and they again contacted me stating they did not receive the payoff amount, so once again I sent all of the paperwork, I had to them. On XX/XX/XXXX, at about XXXX XXXX XXXX came and repossessed the XXXX XXXX that was paid for. When I contacted PNC Bank, they stated that the payoff amount was for {$25000.00}. But they attempted to take {$38000.00} and it was not approved. When questioned why they would try to take {$12000.00} more than the total payoff they did not have an answer. PNC Bank is now stating that they did not receive the cashier 's check for the payoff. They told me that they wrote off the account and sent it to collections within the recent months. We also asked why if no payment was made why did they wait three years to do a repossession on the XXXX XXXX and their reason was they could not find it although it was always parked at the address on the title, insurance, registration, and loan agreement. The loan was in XXXX XXXX name, who is my mother, but I made all of the payments on said vehicle.
Company Response:
State: PA
Zip: 158XX
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: on XX/XX/XXXX {$90.00} on XX/XX/XXXX {$78.00}, {$130.00}, {$140.00}. I called the bank and reported these unauthorized charges, the bank refunded the money to the checking account and am waiting for a new debit card in the mail. also bank has a fraud claim on these charges. today XX/XX/XXXX I checked my account by phone and now there are XXXX more unauthorized charges done on XX/XX/XXXX for XXXX and {$300.00} from XXXX XXXX bank, so once again I contacted my bank and had to file another fraudulent claim. so now I was advised to make a stop payment on future charges but now I wonder if that will be for all my charges. the bank thats making these automatic payments is the pnc bank
Company Response:
State: OR
Zip: 97236
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: I opened a business checking account on XX/XX/XXXX, with the understanding that {$500.00} deposit will avoid any/all service fees. It has come to my attention on XX/XX/XXXX, at the XXXX branch office while I was depositing a check that {$200.00} was deducted from my account for service fees. I requested/asked the teller ( XXXX ) that I want the {$200.00}, posted/returned into my account was told by her that I needed to go back to branch where I opened my account and request the refund there. I told her that made no sense especially if my account was opened outside the XXXX metro area. Notwithstanding, I called to find out that XXXX XXXX, XXXX Branch Manager, XXXX XXXX @ XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX, no longer worked there, so I asked to speak to the branch manager, was told XXXX XXXX was unavailable that she would call me back [ not ] I called back same day again ( XXXX ) this time she got on the phone. I explained after repeating myself several times for ( XXXX XXXX seconds ) at XXXX EST. She replied that she would get back to with a partial refund I told that would be unacceptable either refund total amount or I would file Complaints and close my account. I find out on ( XX/XX/XXXX ) instead it was {$150.00}, not {$200.00} in service fees while I withdrawing funds of the deposited check on ( XX/XX/XXXX ). She called me back Monday ( XX/XX/XXXX ) at XXXX EST ( XXXX XXXX seconds ) with no full refund. So this is how you extort money from accounts this is what the Authorities need to be aware of!!!!
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-09
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have reached out on multiple occasions to PNC Customer Care Center and Executive Client Services to resolve an issue of fraudulent charges that were made to my account. These charges were reported within the required 60 days per PNC Bank agreement/policy but have not been afforded a permanent refund to the account. After multiple attempts to have a caseworker resolve the matter, I forwarded a letter of the disputed history to the Case Work, XXXX. The letter included the multiple reentry dispute numbers that were assigned by the bank representatives, which were due in part to incorrect logging of the initial dispute. I believe this caused an error for PNC to deem the matter reported beyond 60 days for fraudulent charges that dated back from XX/XX/2021 o XX/XX/2021. XXXX nor the initial Case Work, XXXX XXXX returned my calls with any explanations of the details or outcome of their investigation. I have only received computer-generated letters indicating that the matter was resolved and my refund denied because it was not reported within the 60 days. I have bank statements and chronological documentation that proves I reported the fraudulent charges within days of discovery. I feel I have been intentionally given the runaround and all the representatives offer is to repeatedly re-enter the same dispute under a new case number. I have lost a total of {$850.00} from fraudulent transactions to my account, which the bank representatives have acknowledged, yet will not honor a refund.
Company Response:
State: NJ
Zip: 07753
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-09
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: We have tried for 2 days to file a financial hardship extension due to Covid. We spent several hours both days XXXX XXXX XXXX XXXX, 2022 trying to file a hardship. Its been exhausting. They kept saying they couldnt file it. We banked our loan with BBVA and they sold it to PNC without our permission. We were always able to deal with BBVA, but now its with PNC online banking we cant get anything done. We have been denied to talk with an executive who can make decisions. Their process to talk with a representative is nonexistent.We are still in a pandemic due to Covid.
Company Response:
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-09
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XXXX XX/XX/2022, I opened Business checking account with PNC bank, in-person at XXXX TX branch XXXX Ever since I opened this account, I am facing issues : 1. Signature card was not uploaded so I can not do any external transfers ( like get money into this account using ACH ) 2.I need to work close to 2-3 hours to get this resolved in next 3-4 days. 3. Now I am facing a new issues, I can not cancel my scheduled external transfer. I can reduce the amount of that transaction ( which i want to cancel ) to {$10.00} but can not cancel it. Since XXXX XX/XX/2022- I am having this issue. Any time call phone banking ... standard message " we are getting unusually high call volume... wait will be more than 20 minutes ... but even after 1 hour there is nobody to talk '' ... call back feature is there... but call comes after 1+ hours ... worst thing... even when you are talking to a human ... that human is totally incapable, inefficient... they can't even understand the problem... I spent close to 8+ hours on this issue. But still it can not be fixed. Branch has been told... Branch arranged a call but when i called that person... going to voice mail. Information team has been highly incapable backed up by totally useless customer service. Customer is feeling hopeless... These are the basics of banking... credit and debit from account and PNC is totally clueless. I am very busy and simply just can't keep on following. Today I got a callback from XXXX from PNC ... customer service from PNC feels as if they are doing a favor by talking to the customer. She told me that i can not see what you are doing and i can not simulate it also ... .numerous transfers here and there... but issue not getting resolved. XXXX support is more hopeless than phone support. Tried various browsers and mobile app - no luck in terms of cancelling the scheduled transfers.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-09
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Hello, In XX/XX/XXXX I noticed my XXXX account was hacked resulting in more than {$520.00} in fraudulent charges being charged to my debit card on file. I reported these fraudulent charge to PNC Bank and a provisional credit was applied to my account. I changed my passwords and was issued a new debit card. In XX/XX/XXXX, PNC then reversed the provisional credit applied to my account and debit more than {$520.00} from my account. When I called the bank to dispute these fraudulent charges *again* I was informed that " my request was denied ''. These charges were fraudulent and remain fraudulent. They are not offering any recourse for addressing this.
Company Response:
State: VA
Zip: 22193
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-09
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/XXXX I went to a PNC bank to open an account because I didnt have a checking account. All I had was a credit card account with a different bank. I keep all my money on me as cash or in my friends accounts in case they need to help me pay for something online. So after I got my account open, I asked my friends to send me back my money and they did. I woke up one morning to see that PNC locked my account. The money in my account is supposed to pay my college tuition, my car note, my insurance payment and so much more bills all which are due. Over the course of my account being restricted, Ive had to start borrowing money from people just to feed myself and theyre already asking me to pay back. I contacted PNC bank to have them open back up my account and give me back my money but the customer service agents keep trying to transfer me to the fraud department. Whenever they do that, the fraud department never responds, I spend hours on the class and nobody ever responds.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-09
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I have contacted my bank. PNC multiple times because between them and XXXX XXXX i havent had access to 450 dollars for over 6 days. Its not reasonable or fair that the government allows these large billions of dollar companies to take advatage as they please of normal everyday people. I have literially had no money for 5 days because of this.
Company Response:
State: IL
Zip: 61604
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I purchased a car on credit through Compass bank or better known as BBVA in XXXX of 2019. I have always paid my note ahead of time. I paid my loan up for 6 months and still made on time payments every month. Apparently, PNC bank purchased BBVA at some point and I had no clue until I got a bill that looked unfamiliar. So I called them and the lady explained that transition had happened and that I am behind on payments with them. I explained that cant be so and asked her to check financials of bbva to confirm. She said she didnt see any payments and that prompted me to ask, did I have a contract with them stating that I owe them any money at all. She said no, we dont have paperwork saying you owe us, we just simply purchased the company and took over the files. I asked, how did you get all this information on me but didnt get my payment history. She said we have what bbva gave us, which was inaccurate. I immediately went to the app to show her proof but bbva had wiped my account out. So I then asked for proof on paper that I owed them. I asked her to validate the debt to be sure Im paying the right people and to ease my mind before I pay someone whos scamming. I never received any documentation proving wholeheartedly that I owe them ( PNC ) anything. No contract in place at all and I feel like I wasnt in the wrong for confirming who Im paying and why before I did. After not proving anything, 3 months later, they repossessed my car at XXXX which is against the law as well. They never sent me a notice saying it was out for repo which is against the law on top of demanding money with no contract in place which is against the law. They did not follow common law nor consumer law so I feel like I should make an example out of this situation legally.
Company Response:
State: MS
Zip: 39648
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A