Date Received: 2019-07-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I recieved a defective motherboard from XXXX, after trying to resolve this with the seller they want me to ship it back to XXXX at more cost to me, more than the original item is even worth. I tried to do a chargeback / dispute with my bank and they say that is not a reason for a charge back which makes no sense, I received an item that doesn't work and not wanting to lose more money I just want a refund of XXXX.
Company Response:
State: OH
Zip: 455XX
Submitted Via: Web
Date Sent: 2019-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-18
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Below is a copy of compliant to PNC customer relations that explains our compliant with no resolution from PNC as of today. Ms. XXXX, My husband and I filled out an Credit line application on XX/XX/2019 ( Collateral against home ). NOT a HELOC we did not want to refinance. Ms.XXXX was very knowledgably and explain exactly what we wanted. It was explained as a more relax process and quick closing process. it has been one thing after the next, its like rules are made up along the way from the underwriting team. On XX/XX/2019 I received a letter of CREDIT APPROVAL stating that we have met the credit and income qualifications for the loan. PNC is pleased to provide a Credit of Approval for your credit line! ( waiting for date to sign documents ) What a sigh of relief we let out. We begin contacting our creditors to get pay off quotes and bargaining for lower numbers, finally a lower interest rate and one payment, we can see light at the end of our dark tunnel. Spoke with Mr. XXXX XXXX he stated everything was on course but bank request a walk through appraisal, I ask was everything ok he stated yes and PNC is doing everything to get this loan to closing and if we could open PNC checking account we will save 0.5 % on loan and pay loan through PNC auto checking. After 's this conversation my husband and I activate our cards and set up the online app. XX/XX/2019 Mr. XXXX contact me & met me at our home I was taken off guard due to it was XX/XX/XXXX for us. I ask Mr.XXXX if we could say a simple prayer after 's he proceeded to walk through home expressing " your home is lovely ''. I pointed out all windows ( 25 ) hadbeen replaced the sliding doors to patio/deck both sets replaced with French doors etc. Mr . XXXX stated the windows and upgrade adds value to home. XX/XX/2019 Mr.XXXX called about XXXX XXXX stating someone will contact me about appraisal. I stated he came XXXX Friday which was a shock because it was good Friday I reiterate. Mr. XXXX stated he wasn't aware the appraisal had taken place but was glad so we could close. XX/XX/2019 I open my email seen PNC had emailed me twice stating loan updateand I will receive a notice via mail in 3-5 days ( I have spoken with Mr.XXXX often ) but Silence on this Monday and days to follow. I contact Ms. XXXX and inquired about the email. We begin to seek legal counsel for BREACH of TRUST, Falsified information, Poor & Lack of Communications. I reached out to XXXX on your side consumer team she stated this sounds like " XXXX XXXX '' fraud and theft scheme done by inside. WHY DISCRIMINATION only after the appraisal came things took a turn its a well known facts people of XXXX skin homes are appraised lower than XXXXXXXX Lead in Rejections for Home Loans, Homes in XXXX neighborhoods significantly undervalued ... XXXX : XXXX Looking forward to resolving this matter asap, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Company Response:
State: MD
Zip: 20721
Submitted Via: Web
Date Sent: 2019-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The issue is with PNC Bank arbitrarily adding a comment to the credit bureau identifying my home as " Affected by Natural Disaster ''. When I called the Bank the employee notified me that this is simply a comment that they add when the area around a home has been affected by a Natural Disaster. This is an unfair practice and affects the value of a persons home. This is something PNC is doing to others and I feel that they are going to affect the home values of many people by doing so.
Company Response:
State: TX
Zip: 78132
Submitted Via: Web
Date Sent: 2019-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-18
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: Hello, I am submitting a complaint regarding a dual transaction for rent in the month of XXXX, 2019. My leasing office, XXXX XXXX, charged me twice for rent and I disputed the second charge with PNC Bank. I am disputing this second charge of {$1500.00} because PNC Bank provided me with an initial provisional credit for the amount. PNC reversed my credit because the bank claims it sent me a questionnaire requesting additional supporting documentation. In my initial dispute filing, I provided the contact information for the rent manager at this property because she agreed to communicate with PNC to confirm that the leasing office does not have a record of that payment. PNC neglected to contact the rent manager and is denying my request to file a new dispute to recover the funds because their 120 day period for dispute filing has closed. I never received the initial questionnaire PNC claims to have sent via mail and the bank did not share any reminders or an electronic form of the questionnaire even though I previously elected to receive electronic communication. Mail is frequently misplaced at my apartment complex and I still have yet to receive a questionnaire. I have visited a local PNC branch several times in an attempt to re-file the dispute but this was unfortunately not possible due to the 120 day time frame. I have included evidence of the double payment as well as information regarding my communication with the leasing office to request that PNC fully and permanently credits my account and removes any associated overdraft fees. Thanks for your support in advance and please inform me of any updates. Best, XXXX XXXX
Company Response:
State: VA
Zip: 22304
Submitted Via: Web
Date Sent: 2019-07-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: PNC reported me past due 30 days in XX/XX/XXXX. Call was placed and matter was corrected. Past due status was corrected shortly thereafter and late pay was removed. Two months later, PNC once again reported me past due to all 3 credit bureaus. Balance has since been paid out entirely. Reporting should be corrected as it has lowered my credit score significantly.
Company Response:
State: IL
Zip: 60638
Submitted Via: Web
Date Sent: 2019-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-16
Issue: Other transaction problem
Subissue:
Consumer Complaint: I hired a contractor, XXXX XXXX company to renovate my fire damaged home in XX/XX/2019. I since fired the contractor a week after and put stop payment on two checks, one in the amount of {$10000.00} and the other in the amount of about {$53000.00}. I later found out from my bank XXXX XXXX XXXX the $ XXXX check was attempted to be deposited into the contractors bank account at PNC bank in XX/XX/2019. The check was made out to XXXX XXXX, nowhere on the check did it say XXXX XXXX or the owner of the companies name, XXXX XXXX XXXX XXXX XXXX XXXX XXXX virginia XXXX. The owner of the company tried to deposit the check and PNC held the check pending verification because of suspicion of fraud. This was back in XX/XX/2019. The bank has still not sent the $ XXXX check back to XXXX XXXX XXXX they still are holding on to the funds. I have went into personally the brand where the contractor tried to deposit the check and spoke with the branch manager and staff letting them know the situation. The branch manger said he would send the funds back to XXXX XXXX XXXX he has not. I have called XXXX XXXX XXXX they say the check has been cashed. PNC resolutions department ( Send request inquiry to recall funds File dispute ) ( XXXX ) XXXX XXXX PNC Resolution Specialist - has asked XXXX XXXX XXXX to send a hold harmless inquiry. All this and I just need the PNC bank to release the funds and send them back to XXXX XXXX XXXX. The branch manager who has allowed this insurance check to sit in PNC for two months Is in some sort of collusion with the contractor. Branch manager, XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX I have reached out and spoke with every department and are still at square one with no resolution. Please help with any insight. Our home is still sitting fire damaged with added weather damaged and days go by. My husband is stationed in XXXX and I am in XXXX trying to resolve this matter. Thank you! XXXX XXXX XXXX Check # XXXX Check amount {$53000.00} Call XXXX branch - XXXX They are holding for verification of signature- account # XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33040
Submitted Via: Web
Date Sent: 2019-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-15
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Loan ending in # XXXX. We were told ( several times ) that there was never a loan interest rate of 3.625 % at the time of our application on a investment property. Why then did we receive two commitment letters, one dated XX/XX/18 and the other XXXX dated XX/XX/2018.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-12
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I WAS SCAMMED BY A COMPANY CALLED XXXX PHONE # WAS XXXX THIS NUMBER IS NOT IN SERVICE. I PAID THEM {$6400.00} ON XXXX. THEY DID NOTHING AT ALL FOR ME. I TRIED TO REPORT THIS CHARGE AS FRAUD TO MY CREDIT CARD COMPANY/ THEY SAID THAT THIS CHARGE WAS TOO OLD AND THEIR WAS NOTHING THEY COULD DO FOR ME. I AM A SENIOR CITIZEN AND THEY HAVE TAKEN ADVANTAGE OF ME.
Company Response:
State: NJ
Zip: 08831
Submitted Via: Web
Date Sent: 2019-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My account was fraudulently charged multiple times for months by non-existent foreign companies. I unfortunately didn't pay close enough attention and it took me a while to realize how much. Some transactions were months old but some had just occurred. Because I didn't report it when it first started happening they refuse to help me. The charges are several per day and in some instances there were as many as 5 in a day for the exact same amount to 5 different companies. It was obviously fraud but PNC Bank won't help me and in fact have charged me over {$1000.00} in fees this year. They are profiting of their inability to keep my funds safe and there seems to be nothing I can do about it.
Company Response:
State: MI
Zip: 489XX
Submitted Via: Web
Date Sent: 2019-07-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-10
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have contacted PNC Bank several times regarding a discrepancy in my billing. In XX/XX/XXXX the amount of {$230.00} was received on my statement I disputed the amount because that was never my payment amount. Due to some personal issues I did not get to follow-up again until XX/XX/XXXX. In XX/XX/XXXX, I contacted them payed everything due including fees with exception to the XXXX amount. Thru additional conversations with PNC they informed me in XX/XX/XXXX they adjusted my contract payment amount from {$380.00} down to {$360.00}. My grandmother made additional principal payments of {$2000.00} in total over a course of one year as given to me in my contract to prepay. When they made that payment adjustment they never contacted me and informed me my payment was changed or why and they violated my contract in my right to prepay. By the payment being changed they extended my maturity date back to the original contract collecting additional interest. I consider this a violation of CFPB regulations and have also filed a complaint with the Texas Attorney General which where I reside. Please also note I have paid payments for the months of XX/XX/XXXX and XX/XX/XXXX in the amount of the new payment change {$360.00} only to not have bad reflection on my credit report. I still dispute that amount in full. PNC Bank has supposedly escalated this many times and will return my calls via phone or in writing.
Company Response:
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2019-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A