Date Received: 2020-10-20
Issue: Trouble using the card
Subissue: Problem adding money
Consumer Complaint: Consumer service card holder had the loadable only credit/debit card stolen and or lost on reported date XX/XX/2020. This is a PNC XXXX cash card account. In question is the financial institution as well as the associates of intentional fraud regarding the account. The card at this point is reported in use for criminal activity.
Company Response:
State: FL
Zip: 33407
Submitted Via: Web
Date Sent: 2020-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-20
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: We have had ongoing issues requesting payoffs from PNC. It takes days, and many requests need to be submitted various times. On the last loan, we sent in 4 requests over a 15 day period only to then to be told that our Borrower 's Authorization document was over 30 days old and our request was being denied. ( we had a previous payoff from XX/XX/XXXX so they knew we had authorization ) No one informed us of this until I called in and made a verbal request today ( XX/XX/XXXX ). This is absolutely unacceptable. We do not have this issue with other lenders. Most payoffs can be easily requested either online or via phone. Of course you need pertinent borrower information, which we already have since we have their new loan in process. I can't help but think this practice is an effort to make payoff more difficult for clients.
Company Response:
State: NJ
Zip: 07040
Submitted Via: Web
Date Sent: 2020-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage is serviced by PNC Bank. I first contacted PNC Bank about my loan to value ( XXXX ) percentage in XX/XX/XXXX for removal of private mortgage insurance ( PMI ). At that time, my XXXX was 83.4 %. I contacted PNC Bank in XX/XX/XXXX to inquire about my current XXXX for removal of PMI. I was informed it was 76 % as of XX/XX/XXXX. Therefore, the private mortgage insurance ( pmi ) was not removed when my loan to value amount reached 78 % in XX/XX/XXXX. In XX/XX/XXXX, I requested a review of my case for refund of overpayments, since the PMI should had been removed when my XXXX reach 78 % per the Homeowners Protection Act. I was told that they did not monitor all accounts to determine when they reach 78 %. I was told they follow the amortization schedule and not the actual account. I have been denied a refund of overpayment of PMI. By law, it should have been removed at 78 %. My account has been in great standing. During XXXX and XXXX, I spoke to two individuals in the escalation department and was denied a refund. I am extremely frustrated that I have been paying for PMI that could have removed months ago based on the Homeowners Protection Act. During this time of nationwide crisis, I would think that PNC Bank would understand the importance of individuals being able to maintain their bills. I don't believe in throwing away money. Every dollar counts as we all try to deal with uncertain time. I made my mortgage a priority and I feel I should be treated as a priority.
Company Response:
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2020-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-19
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: Hello, my name is XXXX XXXX XXXX on XX/XX/XXXX XXXX at XXXX XXXX atm was trying to withdraw {$80.00} dollars and the machine did not give me the money yet I received the charge. I called the ATM company PNC Bank which than told me to call my bank. I filed a transaction dispute with XXXX XXXX XXXX which was rejected by the bank. I need the {$83.00} back. Because i never got the money from the machine and i really need the money. Thanks XXXX XXXX XXXX XXXX XXXX , Ca XXXX # XXXX XXXX fee {$3.00}
Company Response:
State: CA
Zip: 93041
Submitted Via: Web
Date Sent: 2020-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-18
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: I paid off the balance of my auto loan to PNC Bank and they claim to have mailed out my title to the proper address on XX/XX/2020. The title never arrived in the mail. I spoke with the company as well as with a supervisor who told me that it was sent with regular mail without tracking or a signature requirement. They refuse to help me from their end with resending a new copy of the title. This is an clear situation of negligence on their part, no one would ever send their own original documents in such a fashion, without tracking or a signature, however they have no issue going the cheap route with the customers documents without being prepared to take action to help in such a case. They can not have it both ways.
Company Response:
State: NJ
Zip: 08701
Submitted Via: Web
Date Sent: 2020-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-17
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On Tuesday, XX/XX/2020 XXXX XXXX I sent an email to XXXX XXXX, NMLS ID # XXXX, a Mortgage Loan Officer for PNC Bank , National Association ( NMLS ID # XXXX ) associated with XXXX XXXX XXXX, XXXX, NJ, XXXX office. The email included the address of an apartment, salary information, purchase price, and loan amount information. As we have previously worked with Mr. XXXX to obtain pre-approval letters, I was looking to engage his services again. On or about XX/XX/XXXX we have finished our application on the PNC portal and a credit report was pulled against our social security number. On XX/XX/2020, XXXX XXXX, my wife email the chain and informed Mr. XXXX that our offer was accepted, and Mr. XXXX asked to speak with her. On that call, Mr. XXXX said that he will not provide a Loan Estimate before we commit to PNC as our lender and provide a fully executed purchase price. On XX/XX/2020, XXXX XXXX I emailed Mr. XXXX and reiterated that we provided all the information required to get a Loan Estimate per TILA-RESPA, and asked him if there is anything else that he was missing to issue a Loan Estimate within 3 business days. On XX/XX/2020, XXXX XXXX Mr. XXXX emailed back and asked me to call him about next step. During this call, Mr. XXXX said that he's been doing this for 20 years and never issues a Loan Estimate before a borrower commits to working with him because " he doesn't want people to shop him around ''. I asked if he refused to follow TILA-RESPA, and he said that PNC is very compliant and the online system would generate it if it was legally binding. I then tried to get back to the PNC portal, and the only thing I could see is that more information is needed and I need to contact Mr. XXXX. I then emailed Mr. XXXX at XX/XX/2020, XXXX XXXX explaining that there was no way to enter any information in the PNC Portal and listed out the info we have provided him and when we provided it to him. I wrote that I expected a Loan Estimate within 3 business days in accordance with TILA-RESPA. On XX/XX/XXXX I called PNC 's customer service and described the situation. The representative was very concerned and assured me that the Legal department will contact me within 24 hours. I never heard back from anyone at PNC.
Company Response:
State: NY
Zip: 11106
Submitted Via: Web
Date Sent: 2020-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-16
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I just today received a notification from PNC that my account was overdrawn, that they had " paid a transaction for me '' even though it was overdrawn, and now it has a negative balance and a fee tacked on for insufficient funds. I called and they told me that it was overdrawn due to the monthly service charge. They sent this notification through the mail, although statements are sent to my email address, and they have my phone number - which has not changed since 2002. The slow notification process is obviously purposeful. I told the person I wanted to close the account I have had for nearly 20 years. She said she could not close a negative balance, so tried to remove the fees ( which would leave me with a positive balance ) but could not do so. She said that someone higher up would call, but they have not, as we approach the end of business on a Friday. This is obviously designed this way. I can not get to the physical branch to resolve this, and they will continue to rack up fees, while telling me that they can not close the account because of the negative balance those fees have produced. I need help with this, as my bank simply wants to increase the negative balance, not help me close the account.
Company Response:
State: PA
Zip: 162XX
Submitted Via: Web
Date Sent: 2020-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-16
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/XXXX I called PNC Benefits to order copies of 401K statements that were not available online due to the dates. My 401K still resides with PNC although I no longer work there. I needed statements from XXXX through XXXX for a property settlement scheduled in court for XX/XX/XXXX. She indicated this was plenty of time for me to receive the documents and assured me I would have them. It is now XX/XX/XXXX and I still have not received these documents. I missed my court date and the assigned mediator may no longer be a partner on our case. This is not the first time the benefits department has failed to produce requested documents on this same property settlement. I was assured after complaining of not receiving these documents and how it impacted my case that this would be escalated to management and there was no reason I should not have received these by now. I spoke again with someone there last week and she assured me a supervisor would contact me THAT DAY. Nothing..I am now in jeopardy of not having the documents after rescheduling the hearing for XX/XX/XXXX as I will need them prior to that date to review with my attorney prior to the hearing. I am currently in communications with my attorney and XXXX also file a legal suit against PNC. This has added additional stress in addition to the legal situation at hand.
Company Response:
State: KY
Zip: 40258
Submitted Via: Web
Date Sent: 2020-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-14
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/XXXX I went to my bank to deposit {$50.00} in cash which brought my account to positive {$2.00}. I also had five dollars in my reserve account and {$10.00} in my savings account. On XX/XX/XXXX I received an email stating that my account was overdrawn and my money in my reserve and savings was gone. I called up PNC to ask why this happened and they couldnt tell me why wouldnt issue me a refund and I have to wait for a callback from somebody else from the branch. Ive never had a situation like this happened to me and the fact that PNC wont admit their mistake and give me my money back is insane. I lost my job to COVID-19 my fianc and I are both on unemployment and PNC bank took what little money I had left with no justification. My account shouldve never been overdrawn to begin with I had ample and sufficient money in there and they still decided to penalize me. I will not stand for this and PNC Bank is pretty much acting like a thief with no justification for their actions and theyre going to find out that by doing these type of things has repercussions.
Company Response:
State: FL
Zip: 33407
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I received a payoff bill for XXXX that had to be paid in full before XX/XX/2020. The full amount was paid before that date. I receive another bill stating additional XXXX was due with late fees
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A