Date Received: 2020-09-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have been trying to get my escrow account fixed for months. I have faxed numerous requests to PNC, and my updated real estate tax bills, yet they continue to over escrow me. Can someone please help me adjust my escrow account. This is the 3rd time this year I am requesting an analysis.
Company Response:
State: IL
Zip: 60707
Submitted Via: Web
Date Sent: 2020-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PNC failed to apply my XXXX payment for a {$5.00} discrepancy.
Company Response:
State: WI
Zip: 542XX
Submitted Via: Web
Date Sent: 2020-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: ON or about XX/XX/2020 I worked with PNC bank about an attempted charge of $ XXXX to a company " XXXX '' as well as XXXX $ XXXX payments on my debit card to food take out and delivery companies, one was XXXX. I was told about a credit by PNC 's card protections services and it would be sent to the fraud division. Wait a week and call ( can't find the number ) for results of what they found ... I waited a week and called THEY HAVE STONEWALLED ME. I can get no information to go to the police and pursue this, which I think is local. I will try to pursue this with the police but many days have gone by and I was misled about pursuing this. I have requested a complaint against PNC but get no evidence this will be done.
Company Response:
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2020-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-25
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I opened a prepaid debit card account with XXXX XXXX XXXX a part of PNC Bank to receive my direct deposits from my state unemployment benefits. The account was fine and I was receiving my direct deposits for months now. Then the following happened. I was asked to submit a summary and identification on a most recent direct deposit into the prepaid XXXX XXXX XXXX account. I emailed them the summary of benefits from the state unemployment. They then asked me to verify my identity and I sent in my drivers license and birth cert. They then said my drivers license address didn't match my address on file. My address on file is my family 's address and that is where I live now since COVID-19 and same address as my benefits. They asked me for a phone bill so I sent that along with a bank statement from the address in my name. I did all of this. They are refusing to release my money. WORST part is that I was asked all this same info 2 months ago in XXXX and I sent it all in at that time and it was all cleared and my account was fine. Now 2 months later same issue and they are not releasing my money. I believe this bank is not a legit bank even though their card is issued by PNC bank XXXX XXXX
Company Response:
State: MI
Zip: 48126
Submitted Via: Web
Date Sent: 2020-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-25
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Money hungry bank. People affected by covid and they still hit people with fees. Made a deposit through my phone since we had a XXXX family in our home and couldnt get out. Made a check deposit to cover what was coming out and still charged me a fee. Covid is not even over and been told many times they arent helping covid families.
Company Response:
State: OH
Zip: 45255
Submitted Via: Web
Date Sent: 2020-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Contacted by a man who said he was from XXXX Fraud & Theft division said my phone was hacked into & if I have mobile bank apps to check the accounts. I checked everything at the time looked okay. I checked again later and a XXXX XXXX transaction was made not by me to a person I dont know. I never ever made a XXXX transaction of any kind. I notified PNC bank, they told me to change my password & thell investigate. 2 days later I received a letter from PNC that an investigation was made and the transfer was valid therefore my dispute is declined. I looked up the person the money was XXXX to it was an XXXX American girl in XXXX, Florida. I do not know anyone in Florida and I did not make this transaction. I disputed the transaction again. Again i received the same response from PNC. Again I filed a disputed that I DO NOT know this person and did not make this transaction. Again PNC denied the dispute. They did not provide proof of the investigation that the transaction was valid. This is not acceptable so Im disputing again. I will not give up because {$990.00} was stolen from me which is a lot of money as Im SS XXXX.
Company Response:
State: IL
Zip: 60641
Submitted Via: Web
Date Sent: 2020-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-24
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Introductory Statement... A home mortgage loan had been approved for the buyer ( myself ) with closing for XX/XX/XXXX. The sellers are moving to South Carolina and the man needs XXXX. On XX/XX/XXXX the loan officer asked if I wanted an appraisal and I declined the appraisal ; on XX/XX/XXXX, loan officer asked realtor for the home inspection results ; on XX/XX/XXXX, demand by underwriter via loan officer to have repair of items in inspection report, mostly seeming related to safety of what I see as age discrimination ; continual delay of closing dates. It has been one unexpected demand after another -- there is the age discrimination in addition to general unwarranted demands and delays of closing dates putting buyer and the sellers in very difficult circumstances ( PNC bank was well informed of all of this ) and very costly circumstances because of PNC 's refusal to allow the closing to go forward due to one demand of the " repair '' works to be done. The inspection report should not have been requested in addition to once it was received by loan officer and sent on to underwriter at which time the underwriter utilized age discrimination and other unnecessary " benevolent '' claiming thinking in dictating my needs and the demanded repairs that were time consuming, costly, and have delayed the one closing time after another and put the sellers and the buyer ( myself ) at risk in multiple other ways. This is one of the most horrendous, discriminatory, unprofessional, misused " benevolent '' claiming rules that I have experienced. I am an independent female who can make my own decisions as to the safety of my home and the needs in the home to ensure my continued excellent health. What all this has done to the good mental health of the sellers and the buyer ( myself ) has been extreme and absolutely unnecessary. In addition to all this, for this to be occurring during the COVID-19 pandemic is absolutely beyond any kind of understanding. No one should have to go through this, however, I understand how minority groups must constantly endure this kind of discrimination and the false " benevolent '' concerns that enforce supposed needs in order to get loans and other kinds of financial needs by these large corporations. There have been multiple emails and telephone conversa tions with the loan officer and the area manager, in addition to one short telephone conversation with the corporate Officer, Executive Client Relations in Support of Mortgage. Something needs to be done about this kind of activity by PNC and how it has affected numerous lives. Schedule of events... During the final processes of the mortgage closing ( the closing date had been already scheduled for XX/XX/XXXX ), the loan officer called to see if I wanted an appraisal. Since I would save money and having an appraisal was not a requirement, I declined. The loan officer was in agreement. A couple days later, I received from the loan officer a request for the home inspection report, which I did send. Within several days on XX/XX/XXXX I received this : XXXX, the underwriter has not issued Final Approval due to items on the inspection report. Anything that is a safety issue or hazardous must be fixed. This loan had a property inspection waiver so we can not count on the appraiser to do a final. Please note all of the repairs must be completed and verified by a licensed professional. There was never any mention of the issue of not having an appraisal versus an underwriter reviewing an inspection report and determining that I would not receive the mortgage unless the safety and hazardous issues were resolved. I believe this was done by the underwriter because I am a XXXX year old woman the underwriter putting her/his biases of the older person and thinking he/she needed to seem benevolent to save this old person from all the hazards in the townhouse. Little did this underwriter know that I am well versed on the needs of older persons due to my education and my work experience in the area of aging and of health. I do not need anyone telling me what hazards are and what can be done to be safe. The work that was required to be done before the loan would close were totally unnecessary and time consuming and created undue and extreme stress. I am a very healthy older person, but the residuals of this extreme stress created by this underwriter continues to this day. Once the e-mail was sent, there were few days to get all the required work completed in order to have the closing on the XXXX. Not only did the required work need to be done by a professional, but it then needed to be in writing by a licensed contractor. When a letter was sent by a licensed contractor, we were then told that it then needed to be inspected by the original home inspector. Then, we received notice that photos were needed of the work of each of the items. No sooner was that done, but then received notice that a summary of each item had to be submitted. It was nearly insanity in how this was handled. Therefore, in addition to the discrimination imposed by the underwriter in requiring the neededwork because of my age ( that I was unable to know what I needed for my own safety ), the process of requiring one more process after the one was completed, on and on and continuing to delay the closing date. There seemed to be no written formal format for such a process. Neither the loan officer nor the area manager ( based in Florida ) seemed not to know the process. Corporate office needs to see that the formal process is outline and in some kind of manual for reference. But, most importantly, the underwriter should not discriminate due to an applicants age. The underwriter, as well as the investors in bank ( apparently the investors have determined this kind of discrimination for loan applicants if the home inspection report is seen by an underwriter ), should real XX/XX/XXXX, a letter from licensed contractor sent verifying work was completed. XX/XX/XXXX, invoice was per additional request from loan officer/underwriter. XX/XX/XXXX and XXXX, photos and the detailed description of the repairs were requested. XX/XX/XXXX, photos sent as well as proposal for new carpeting and installation. XX/XX/XXXX, all materials were sent on to underwriter ; closing date postponed to the XXXX. XX/XX/XXXX, closing date changed to XXXX and now potentially schedule for XXXX. XX/XX/XXXX, actual closing. List of work to be done to satisfy the underwriter... Extension to gutters Stairs on porch to have risers at the back of the step tread AND hand rail ( injury may occur ) Carpet is loose or baggy in primary and guest bedroom ( trip hazard ) Windows stuck or painted shut throughout the house ( safety issue as exit of an emergency would be possible ) Efflorescence on block in basement must verify any water intrusion and repair if applicable Plumbing waste line support strap to be fixed Kitchen outlets must be XXXX Outlets The dryer vent piping is plastic vinyl and exhausts through the roof. Repair as needed with metal piping through the floor and out the crawlspace wall with proper materials. The food disposer wiring under sink needs to be secured better to avoid damage.
Company Response:
State: NC
Zip: 27707
Submitted Via: Web
Date Sent: 2020-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XX/XX/2020 during the initial onset of COVID-19, I called PNC and specifically asked how forbearance would affect my credit reporting because I was skeptical about entering into a forbearance program. The agent told me on a recorded line that the loan would be marked " paid as agreed. '' Based on this information I entered the forbearance plan. During the forbearance plan period, I continued to make regular payments as usual. It turned out that I was able to get an emergency loan and I did not need the forbearance plan at all. After 3 months, I exited the forbearance plan and continued to pay the loan on time as agreed. Today, my credit report shows my PNC loan payments for XXXX, XXXX, and XXXX marked as " No data '', with only the XXXX payment " Paid as Agreed. '' In addition, the loan account falsely continues to have the remark " Affected by a natural disaster. '' As a result of this, I have been denied a new home loan. PNC lied to me about how forbearance would impact my credit reporting. I know for a fact that other companies are not reporting forbearance in this way. I used forbearance as a safety net, made regular payments and exited the program as quickly as possible, and PNC believes I should suffer with a scarlet letter on my credit report for that.
Company Response:
State: IL
Zip: 60618
Submitted Via: Web
Date Sent: 2020-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2020, I noticed two fraudulent charges on my checking account. I called PNC Bank in XXXX, PA and filed a complaint. I also called the company, XXXX XXXX, who couldn't even tell me what it was that I supposedly bought from them as I had not received anything at all nor had I ordered anything. Yesterday, XX/XX/2020, a representative that said she was with the fraud office, I was being given a XXXX XXXX for the whole amount of {$130.00}. After the investigation by PNC Bank, they found that in addition to the two {$39.00} on the XXXX of XXXX, PNC had found another three transactions dating back to XXXX of 2020, which was a total of {$52.00}. Instead of giving me the entire amount of {$130.00}, I was only given {$52.00}, which is still short leaving my account in the negative since the XXXX of XXXX. PNCs said they could only give me the first three and I would have to wait up to 90 days for the remainder of {$79.00}. My compliant is that the two charges of {$39.00} on XX/XX/2020, should have been paid as a Provisional amount first as it should not have gone through as it was charged on an account that was closed.
Company Response:
State: WV
Zip: 260XX
Submitted Via: Web
Date Sent: 2020-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-24
Issue: Fraud or scam
Subissue:
Consumer Complaint: An XXXX user reached out to me via XXXX claiming he was a XXXX XXXX. We began talking and when I said I was interested in investing, said he would send me some money to get started with it. He sent me two checks for {$2400.00} via email. One on XX/XX/2020 and one on XX/XX/2020. I had decided against using the funds both times and he had me send the money back through XXXX, XXXX, and XXXX. XXXX XXXX was the name on both XXXX and XXXX that they had me send the money to. The email for " XXXX XXXX '' is XXXX. The email he sent the check through was XXXX. I have filed disputes through XXXX, XXXX, and my bank, PNC. I have not heard much back yet, but PNC has made it sould like a dispute is not likely. I am very frustrated because I am a young XXXX XXXX and that aspect was prayed on. I am now in even more debt because of it. The company on the check is named " XXXX XXXX XXXX. '' I spoke with them on the phone and they did in fact assure me that is they were fraud checks.
Company Response:
State: PA
Zip: 19121
Submitted Via: Web
Date Sent: 2020-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A