Date Received: 2018-07-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX To Whom it May Concern : In XX/XX/XXXX I opened a HELOC with XXXX XXXX XXXX. The new Bank after they were closed or bought out is PNC Bank who currently services this open HELOC. PNS Bank is whom.I am making the complaint.against. I was caught up in the Great Recession and the Real Estate Crash in XX/XX/XXXX. The HELOC lender at that time XXXX XXXX shut down the HELOC and I continued making payments.. In XX/XX/XXXX I filed Chapter XXXX Bankruptcy. I didn't include the 1st or HELOC in the Chap. XXXX BK. I continued to pay my 1st.. Mortgage and my HELOC on my primary residence. As of this date I have paid my mortgage down from {$100000.00}. to about 35,000.. In XX/XX/XXXX I noticed that I stopped receiving the monthly statements for my HELOC. I went to my local PNC branch to make a payment in person and to find out what happened.with my monthly statements? I received a silly answer about I had filed a BK in XX/XX/XXXX ( 8 yrs. after the BK was discharged ) They explained that sending me a statement could be construed as them attempting to collect a debt that was discharged in Chap XXXX BK. Please know that for approx. 8 years after the BK was dismissed the HELOC balance has been paid down from {$98000.00}. to about {$35000.00} over this 8 year period. Statement came every month and I paid every month without a single late payment. Now after 8 years post BK XXXX, they suddenly refuse to send me monthly statements. I went into the branch for the last 3 months and have complained about no statement and have still made a payment at the Bank window in person. My complaint is without a statement every month how do I know my principal and interest is being properly credited? Then I felt this practice must be illegal and against banking regulations. I found a law that recently passed that Banks are required to send consumers statements with interest and principal compilation each month. I printed the Law out and brought it to the PNC Bank V.P. person and they called the main office and the result was they sent me a 2 inch thick package via USPS containing every statement since the HELOC inception in XX/XX/XXXX. That is not what I requested. I requested that they resume my monthly statements so that I can see my balance and payments credited. I have tried with 3 visits at the Bank. They know the Law. I have provided PNC a copy of the Law to the Bank Manager. I have very politely requested them to resume amiling me statements every month. PNC has demonstrated that they have chosen to ignore my request and ignore the Law and not send me my monthly statement. Their BK XXXX argument doesn't hold any water since they have already sent me statements for 8 years every month since the XX/XX/XXXX BK XXXX and I have mailed the payment every month for 8 years showing that I have full intentions of paying this HELOC debt. Currently when I mail a payment I have no way of knowing that the payment was credited. They won't even allow me online access to my HELOB balance because they say I must open an account to get to use online services. I am in the Dark here. I am dealing with a Bank that has stobbornly refused to mail me monthly statement in spite of being made fully aware that they are required to mail statement under Federal Banking Laws. Please guide me on how I should handle this matter.
Company Response:
State: FL
Zip: 33433
Submitted Via: Web
Date Sent: 2018-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/18 sent {$200.00} to scammer. Noticed same day it was not a good sale. Tried to request money back XX/XX/2018. No luck from scammer. Called my bank XX/XX/18 to dispute they stated it would take 10 days for a result. Called XX/XX/18 to check status bank stated they found no error and sent paperwork explaining why on XX/XX/XXXX.
Company Response:
State: IL
Zip: 60647
Submitted Via: Web
Date Sent: 2018-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On numerous occasions, PNC representatives had made monthly payments on HELOC loan ( acct # XXXX ) nearly impossible. Due to prior bankruptcy in 2009, they do not have to provide statements of when or how much payment is due. On several instances, they refused to accept payment on account from my wife as she is not on the loan account. Being a HELOC loan, the amount due changes monthly and they will not divulge if the payment is sufficient or not. This may or may not have led to my prior dispute of erroneous negative information appearing on my credit report of over 12 months of being late on my payments. While trying to pay off primary mortgage and HELOC loans, PNC was very restrictive and uncooperative in providing information. They have not provided history of payments as requested by myself and prospective loan officer. As of this date, they are still holding up closing on a refinance loan due to erroneous negative information on my credit report and refusal to provided payment history and payoff information.
Company Response:
State: VA
Zip: 23323
Submitted Via: Web
Date Sent: 2018-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-20
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: This complaint is about my principle bank,, PNC. On Tuesday, about {$5000.00} was deposited into my checking account by XXXX. On Wednesday morning, I transferred {$700.00} to my credit card to pay an overdue balance of {$520.00}. The teller noted the fee as pai as paid and said nothing about holding or preventing my card from receiving charges. Thursday i attempted to use the now paid up card, but PNC blocked all transactions for various amounts including {$21.00} at XXXX, {$100.00} for groceries, and to pay my rent at XXXX for {$4400.00} after promising me all transactions would clear. Also on Thursday, PNC claimed that they needed to block these transactions because " it's a different division and the money isn't there yet. '' What? Both operations are sold under th term " PNC Banking '' and it felt like PNC was just lying to me os they could use my funds elsewhere for two days without me knowing about it. A manager in my branch when asked, offered an explanation that there are thousands of such transactions daily, and " ... they take time. '' She failed to disclose that these transactions are made at night when PNC Bank is closed to the public. To me it appears they are playing the float.
Company Response:
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2018-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Back in XX/XX/XXXX I went online to set up my auto payment for my credit card ( a card in which I had to put the money down to get ) I only got the card to build credit and used it for small bills. For some reason my online auto payment did not go through and caused me to be late on my payment. The payment was late for over 30 days and cause my account to become delinquent. The only way I found out about this delinquency was from the alerts on my credit report and seeing that my Scores had dropped over 85 points. PNC never tried to contact me by email, phone, mail, or by text to inform me of the overdue balance in which was only {$52.00} when I had gave them permission to do so when I opened the account. I called XXXX XXXX XXXX explaining to them my situation, letting them know that I thought my account was set up for auto payments and they told me that it wasnt. Stating that i did put all the bank information in as for the account number and route number but the auto payment didnt go through. I explained to them again that I thought it was set up thats why I havent been making my usual manual payments and told them to check my bank account balance just to show them that I had plenty of money in my savings and checking account to make the payments just that I wasnt aware that the card payment wasnt being paid. I then let them know that I had paid off the full balance of the credit card ( secured card ) from my bank account the night before on XX/XX/2018 and that it was still pending. I then as asked them to help me set up the auto payment so this would never happend again. I let them know that I was only using the card for small bills and just had opened my restaurant and wanted to make sure all my small bills were being taken out automatically. They then help me do so and then I told them that they could clearly see that I wasnt trying to not make my payments but thought my account was set up for auto payments but it wasnt. He then told me yes he do understand and could clearly see that the money wasnt the issue but just a mistake on either there end or mines. I then asked him well what about my credit issues l mean this mistake on your end or either mines just made your company report this to the credit agencies and now its on my credit report and causing my scores to drop drastically I mean over 85 points. I then told him how high my score was and what it was now and his words to me was you are still in good standards. I then told him that the reason why Ive been working so hard to build my credit was do to me and my wife was seeking to buy a house soon and he told me well your just above the qualifying score and should be good when I was expecting him to help me resolve the issue. He then told me that there was nothing he could do. After leaving the bank I then called the Credit card services and told them everything I did and asked for a waiver do to I had no late payments for over a year and was in good standing with them. They did put in a request and told me to wait 1-3 business days and to call back to see the outcome. Now my complaint is I feel someone should have at least called, emailed, sent a letter or texted me to let me know my bill was overdue before reporting it to the credit bureau. It took me three years to get my score where it was and this was clearly a mistake and they should take it off my report. The address on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Thank you for your help
Company Response:
State: MD
Zip: 20602
Submitted Via: Web
Date Sent: 2018-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have been working as a XXXX / XXXX XXXX for a number of years. I am a XXXX XXXX and not a corporation. I have had a PNC Bank business credit card account for about 10 yrs. In XX/XX/XXXX I moved to a different location in my state, with a new mailing address. I updated my new mailing address on the PNC website, and PNC Bank mailed me a letter confirming they received the new mailing address. PNC Bank has recently removed any access to my business credit card account on their website, but I have saved screenshots showing that my address was correctly entered on their website. Between XX/XX/XXXX and XX/XX/XXXX, I did not receive any statements from PNC Bank by mail or email, that showed that I owed any minimum payment. The only statements available were several statements on the PNC Bank website that stated that my balance was {$0.00} and my minimum payment was {$0.00}. In XXXX & XX/XX/XXXX I left multiple messages on the PNC website stating that I had not received any statements. I have screen shots of those messages. I continued making monthly payments until XX/XX/XXXX, when my balance was {$5600.00}. After that I made several charges totaling about {$83.00}, and then the credit card was no longer valid. On XX/XX/XXXX I mailed a certified letter to PNC Bank explaining that I had not received any statements for my PNC Bank credit card account. PNC Bank customer service began calling me several times per week, leaving messages asking me to call them. I returned the calls multiple times but each time I received a voice mailbox. On XX/XX/XXXX, I finally reached PNC Bank 's Small Business Credit Card Default office. They told me that my correct address had been entered on their website, but they had accessed the wrong address in the PNC default office. On XX/XX/XXXX I received an envelope with PNC Bank statements for XX/XX/XXXX to XX/XX/XXXX. PNC 's XXXX statement was due XX/XX/XXXX. My interest rate had been increased from 12.4 % to 30.74 %, multiple late fees and large finance charges had been imposed, and a minimum payment of {$680.00} was demanded. On XX/XX/XXXX I received a new statement with total amount of {$940.00} due on XX/XX/XXXX, and the new balance was now {$6100.00}. I refuse to submit to PNC Bank 's racketeering practices.
Company Response:
State: NJ
Zip: 08701
Submitted Via: Web
Date Sent: 2018-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: On Tuesday XX/XX/XXXX through a XXXX ad I bought tickets to a XXXX XXXX concert. After speaking to XXXX on the phone he told me to send him the {$300.00} using XXXX. I have never used XXXX before but figured since it was through my park PNC I would have protection from a scam. I was wrong I wired the money to XXXX XXXX XXXX He accepted my money and my tickets never showed up. My number was blocked from calling his and the ad was still on XXXX. My stepmom even contacted him and he did the same speech to her. She three-way me in the call and I asked for my money pack and he hung up and blocked us both. I immediately called PNC to stop the transaction but XXXX had already accepted and the transaction was pending. I was told to wait until the money posted to file a claim. Tuesday evening I called my police office and filed an incident report. I called PNC on Wednesday the XX/XX/XXXX and was told there is nothing they can do since I authorized the transaction. There is no scam protection. And even though I called the day it happened they could not put a hold on the money even going out of my account
Company Response:
State: PA
Zip: 18064
Submitted Via: Web
Date Sent: 2018-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX, PNC Bank took two mortgage payments out of my checking account instead of one, a result of a computer error, according to them. I called their customer service team, and they stated they would credit the second payment back to my checking account. After nearly three months, they have credited back approximately half the amount of the payment, but the remaining XXXX remains outstanding on my loan balance. I have called them multiple times concerning this issue, but they have been unable to solve the problem. As a result, I have been getting calls from their automated late payment telephone number, and have received a letter stating that I am behind on my payments, when technically the opposite is true. I have spoken to many people at the company, and all seem unable to help resolve this issue. I am submitting this complaint as a last resort in hopes that the issue can finally be resolved.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I set up auto pay on my credit card and it did not go through so now they say I'm 67 days delinquent. I paid the next two payments in advance now and they reported me late to the credit bureau. I want the late reporting removed as was the first late payment I ed ser have had.
Company Response:
State: PA
Zip: 19382
Submitted Via: Web
Date Sent: 2018-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXXXXXX XXXX locked out the HomeOwner since XX/XX/XXXX ; The house wrongful Forclosure on XX/XX/XXXX ; XXXXXXXX XXXX failed to provide Owership of the Note, Perfected Note Holder in Due Court of XXXX XXXX XXXX ; the Mortgage and the Note should be together in order to have standing to forclose. It is impossible to provide the Note and the Mortgage together because the Note had been converted permanently to a stock then sold in the New York Stock Exchange that create {$1.00} XXXX is Year XXXX ; So, XXXXXXXX XXXX could not forclose the XXXX XXXX house, therefore XXXX XXXX XXXX XXXX XXXX XXXX Tresspassing the XXXX XXXX house on XX/XX/XXXX ; and not the XXXX XXXX XXXX XXXX dumping the XXXX XXXX house on the street, there was citation # XXXX XXXX XXXX in the amount of XXXX to be paid and storage fee to be paid to XXXX XXXX XXXXXXXX in the amount of {$3700.00} upto XX/XX/XXXX which is tomorrow. XXXX XXXX also demand XXXX XXXX XXXX XXXX XXXX XXXX to surrender the house key by tomorrow ; in order XXXX XXXX could make the Damage Report to the Court of the house and personal belonging. XXXX XXXX paid the utilities bill until now, XXXX XXXX supposed to stay inside the house instead of stay outside the house. XXXX XXXX torturing the XXXX XXXX XXXX since XX/XX/XXXX which almost 2 years living deadly ont he street like animal in the zoo. Thank you. XXXX XXXX ( XXXX ) XXXX
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A