Date Received: 2019-01-05
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: I met someone online 5 months ago and it was not until sometime into the online communications he asked if I would allow some items to be sent to me and when he got out of the XXXX he would reimburse me. I took out three loans totaling over {$40000.00}. I have also paid about approximately {$10000.00} more on top of that. It was suggested that I contact you to see if there is any recommendations or assistance you can provide to help me with this. I am single and I have XXXX children. I have all the documentation that substantiates where the money was sent and to whom. I reported it to the police and FBI but I do not know where else to go so the detective gave me information on agencies that may assist. The scammer 's email address is XXXX. The delivery agency is XXXX XXXX XXXX. My loans are with PNC, XXXX, XXXX and XXXX. I thank you for your assistance.
Company Response:
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2019-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-05
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: In late XX/XX/XXXX, I got a loan to purchase a truck for my new business, get windows for our home and pay the balance off of my PNC Credit Card. At the time, I thought my balance was {$6000.00}, so that is what was sent to PNC. However, this left a {$37.00} balance that I was unaware of until I received notification from them of a past due notice dated XX/XX/2018. After calling customer service, I found out that {$66.00} in interest and late fees had been added, and we were turned into the credit bureau for late payment. However, we had never received a notice about a balance due prior to this. I was told by one Customer Service Representative that we were enrolled for paperless bills, which was untrue ... up until my loan payment, I always received statements. After a lot of back and forth, they did remove the late fees but refused to help with my credit score which dropped 30 points from them turning me in. I proceeded to file a complaint with the online customer service center of PNC online banking. I was called by someone two days later only to be treated very rudely. The person told me a different story, saying the statements showing we had a balance were mailed out to the proper address, and it was my responsibility. Also, I had an online account therefore I should have looked to make sure there was no balance. Why would I look when I was under the impression it was paid off. What is the likelihood that I missed 3 bills from them? And this is completely different from what the first customer service rep told me. I have always paid my bills on time. I have a joint checking account with them with my wife, we both have credit cards, and I have a business account and credit card with them. Yet, they will not lift a finger to help resolve this unfair black mark to a credit score I have worked hard to keep in good standings.
Company Response:
State: PA
Zip: 156XX
Submitted Via: Web
Date Sent: 2019-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-05
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: To Whom this may concern, I am writing to file a compliant against PNC Bank. In XX/XX/XXXX we applied to a Debt Management Program and since then have been trying to get our PNC Bank credit card on this program. We have reached out and discussed this with PNC Bank several times, but have been given the run around. They have admitted to our Debt Management Program that they have received our proposals and information several times, but that they are not responding or processing our requests. This is affecting our accounts in a negative manner. We have since gone past due on the accounts and it is negatively affecting our credit score. We have been making payments through our Debt Management Program, but this is not satisfactory for PNC Bank. However they will not give us a direct answer as to why they are not working with our Debt Management Program. Currently they have written us a letter of Default for this account with a payment including fees and charges that would otherwise not be on the account if they had responded to us back in XX/XX/XXXX. The total due now for that account is {$640.00}. They are requiring {$310.00} to be paid by XXXX XXXX. This account is currently closed due to our request. We are asking that the proposal be applied onto our accounts immediately and backdated. Also that our past due balances be removed and that any negatives be removed from our credit report. We greatly appreciate your help in this process.
Company Response:
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2019-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-05
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have checking account with overdraft protection with PNC bank.On Wednesday XX/XX/2019 my checking account balance has negative $ XXXX in checking and positive balance on reserve a/c has {$480.00}. I knew and that night I deposit CASH through ATM in amount of {$1000.00} and came home check balance again and it was balance was positive {$110.00} and reserve has same as before {$480.00}. so there is no need to transfer money from reserve account. everything good, but i woke up in the morning and check balance again it was negative $ XXXX and I CASH deposit again {$200.00}. Also I requested from XXXX XXXX online casino ACH deposit total 12 ACH transaction on tuesday XX/XX/2019 so there is more money come into my checking account. I called XXXX XXXX and their third party money transection provider XXXX XXXX they told me they sent fund to your bank but they don't know when they release fund to your account.
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2019-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-04
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/XXXX, my account was somehow overdrawn - {$9.00}, I transferred {$20.00} into my account, and was in positive standing before the end of the day, I could literally drive to the ATM and take out {$10.00}. I wake up XX/XX/XXXX to {$72.00} dollars taken out of my account for being overdrawn, even though I fixed it. I was told I had to wait 24-48 hours for a phone call from PNC. I received a call and immediately returned the call, as well left a message. I received nothing ever again, I called back multiple times a day, over multiple days. I left maybe 3-4 messages. Over a week later, still nothing, now PNC is charging my continuous OD fee 's when I am trying to solve the issue, but I can not contact them, and they will not contact me regarding the situation. I call AGAIN, and am told I'd receive another call in 24-48 hours, to which I received nothing. I once AGAIN had to call today, to which I am told AGAIN I'd have to wait 24-48 hours. Over {$100.00} has been taken from my accounts now and I am unable and unwilling to pay for the money PNC is stealing. I can not contact anyone regarding this and no one will answer me and they continue to charge me.
Company Response:
State: PA
Zip: 19121
Submitted Via: Web
Date Sent: 2019-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I used XXXX to purchase concert tickets through PNC and it turns out it was a fraud. I contacted PNC and they told me there is nothing they can do about it. The transfer was still pending and they couldn't stop it. I sent {$170.00} and PNC just told me " oh well ''.
Company Response:
State: VA
Zip: 22204
Submitted Via: Web
Date Sent: 2019-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/18 I paid off my balance in my HELOC at PNC Bank for the paid off amount of the loan {$78000.00} the bank didn't cash the check until XX/XX/18. I am being charged interest and fees and my loan still remains open with an outstanding balance!!! I spoke to numerous persons who stated the pay off was a day late and I owe {$560.00} in interest and fees
Company Response:
State: NJ
Zip: 08759
Submitted Via: Web
Date Sent: 2019-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-02
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Recently I purchased a property and locked the loan through PNC Bank XXXX XXXX, XXXX XXXX ( Mortgage Loan Officer ) - NMLS ID : XXXX. I quoted the loan with XXXX XXXX on XX/XX/2018 and he promised it can be closed on XX/XX/XXXX. I thought it is perfect timing because my lease ending date is XX/XX/2018. However, it is a mistake to decide to work with XXXX and XXXX. Their irresponsible promise and carelessness service made me into very stressful situation and caused me a loss of {$960.00}. Starting XX/XX/XXXX I begin to submit materials requested. The loan processor I worked with is XXXX XXXX, NMLS # XXXX. For any materials he requested, I submitted to him promptly. He promised the close date is XX/XX/2018 until XX/XX/2018, he told me because the confirmation of my XXXX status, he could only submit he project review on XX/XX/2018 and my loan would be delayed to be closed on XX/XX/2018. At that time, I already give notice to the landlord which means I must move into the property on XX/XX/2018. However, I trusted him I can still move into the property though it is inconvenient to me. In addition, my parents is visiting me from XXXX and we planned to be on vacations during holidays. After that, he kept on telling me everything is on track and we would be close on time until XX/XX/XXXX, he disappeared. He responded the next day and told me the bank wouldnt close the loan and the bank would not be responsible for any expense of hotel. He kept on lying to me he could cancel the loan or the loan would be close on this date and that date. Because his dereliction of duty, I have to pay {$120.00} a day to live in hotel for a total of {$960.00}. The delay ruined my entire holiday plan. I canceled the trips to south California because the loan wouldnt be closed. I would not go with PNC if they have told me the timeline in the first place. I think the whole practice is against UDAAP. Besides, XXXX promised to provide the project review copy but he did not. He again lied to me.
Company Response:
State: CA
Zip: 94568
Submitted Via: Web
Date Sent: 2019-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-31
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I opened up a virtual checking account with PNC Bank in XX/XX/2018 online. Everything was fine until XX/XX/2018 when I was charged a {$15.00} service fee. My balance was about {$300.00} at that time and after the service charge fee my balance went down to {$290.00}. I've called customer service on XX/XX/2018 to inquire why I was charged a service fee. I was told that I had to keep at least {$2000.00} in my account to avoid the fee. I was not aware of this fee, I was not told I had to keep {$2000.00} in the account, I haven't received any " welcome package '' where it would be disclosed. Even when I was looking inside of my online account for any fees there was nothing disclosed. The disclosure of the fees is quite hidden and only if the account holder is OFFLINE and it is very hard to find. This is a deceptive marketing strategy to charge customers with monthly fees. If I knew I had to park {$2000.00} in a checking account ( interest free ) I would never open the account.
Company Response:
State: SC
Zip: 29577
Submitted Via: Web
Date Sent: 2018-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: This is what happened with me. - Posted an advertisement to sell my car as I am leaving country on XX/XX/2019 and found a tentative buyer ( Scammer ) who says he works for XXXX XXXX XXXX in XXXX, XXXX and is being transferred to XXXX, Ohio, US and would like to purchase my car as soon as he arrives. Also provided XXXX XXXX XXXX ID. - Promised me to send a check of {$1000.00} as deposit via his company as part of his relocation, so I dont sell the car to anyone. - Sent me a check of {$4000.00} instead of {$1000.00} and claims there was a communication error with this company and they have sent all the relocation amount to me and asked me to refund back the overage of {$3000.00} so he can book his flight tickets to US. - First I made sure I deposited the check on XXXX XXXX and funds were shown available on XX/XX/XXXX in my account which is when I initiated the process of refunding the overage amount of {$3000.00} through XXXX services of bank. - {$3000.00} sent to scammer and now I see the {$4000.00} check is being returned, which puts me at a loss of {$3000.00}. My concern is, as a general public who do not know the in-depth of banking process when I see the amount available in the bank it confirms me that the check has been cleared. Only then I felt that the check was cleared and I initiated the transfer of refund to scammer. After 2-3 days now I see the check is returned. I am sad because when something like this happens my bank did not communicate with me immediately via. email or phone when they realized the check has returned. If any immediate alert was given to me I might have been able to save atleast some money. Currently I have filed a police report and placed a dispute with my bank. There is a very thin hope that I might get my money back.
Company Response:
State: OH
Zip: 44116
Submitted Via: Web
Date Sent: 2018-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A