Date Received: 2018-03-25
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: PNC Bank re-activated an old line of credit account without a request or permission to do so. The bank changed the old account number, and started to send me " convenience '' checks and monthly statements. This account was opened for {$500000.00} I did not request this line of credit nor do I want an open account in my name. I contacted the bank and was advised that I am not the only one who is having this problem, as the bank has been re-activating accounts recently. I was told that I have a zero balance with the bank so I shouldn't worry about anything.
Company Response:
State: NJ
Zip: 084XX
Submitted Via: Web
Date Sent: 2018-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have a personal loan with pnc bank. Unbeknownst to me I was charged {$15.00} more than my payment amount. This {$15.00} has caused me to be reported late 4 months on my credit report. Ive since paid the money and receive refunds for late feesbut the {$15.00} and late reporting caused significant damage to my credit. I want the late notation removed from credit report.
Company Response:
State: IL
Zip: 60643
Submitted Via: Web
Date Sent: 2018-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-22
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I received a letter on XX/XX/XXXX that is deceptive stating that my mortgage rate is expiring - actual quote " Because the rate on your loan will expire ''. My mortgage is an adjustable rate 30 year term originated in XXXX so my rate is not expiring but will reset in XXXX in accordance with my mortgage terms. They also frequently call and email me about refinancing which is harassment because I do not want to refinance at this time.
Company Response:
State: FL
Zip: 32258
Submitted Via: Web
Date Sent: 2018-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-21
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX, I went to close my account at PNC Bank, XXXX XXXX XXXX, XXXX OH XXXX. Once the teller and I could hear each other over the carrying on from other employees, we confirmed that only the manager could close the account or I could get cash. The manager was having a 20 minute call while we were waiting even though he knew we were waiting. The teller then directed me to him. After confirming my identity with my license, he has the check made out to me to me to cash out. We were in the bank about 30 minutes to get close the account and make one other transaction. Both the teller and manager kept my license and did not offer to return it. My wife had to physically take it from the managers desk. The unprofessional and party atmosphere of the bank is appalling. The lack of business sense in now knowing how to close an account and return legal documents show this bank is there for themselves and not customers. I sure did make the right move in closing the account. I will never return!!
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2018-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-21
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: PNC is my bank, and they are not SHOWING THE CHECK NUMBERS WHEN i WRITE A CHECK!! I WRITE CHECKS THAT ARE PROCESSED ELECTRONICALLY, FOR EXAMPLE TO XXXX XXXX AND XXXX. THEY ARE NOT SHOWING THE CHECK NUMBERS WHEN I ACCESS MY ACCOUONT ON THEIR WEBSITE!! THIS IS FRAUD, I ABSOLUTELY NEED TO SEE THE CHECK NUMBERS TO KEEP MY CHECK BOOK IN ORDER! A check just came through today with a number on it through XXXX XXXX, and it was written a month ago!! One of them is responsible for this fraud!! XXXX XXXX XXXX checks always go through with a couple days because they are processed electronically. However, I CAN NEVER, EVER SEE THE CHECK NUMBERS TO VERIFY THAT IT WAS INDEED THE CORRECT CHECK THAT i WROTE! aND PNC PULLED ANOTHER STUNT THIS PAST WEEK, I DEPOSITED TWO CHECKS, AND A FAMILY MEMBER WAS IN THE HOSPITAL. THEY ASSURED ME THAT THEY WOULD CLEAR, AND I WOULD HAVE NO FEES, THE NEXT DAY ON XX/XX/XXXX, THERE WERE FOUR FEES!! I HAD TO BEG AND PLEAD WITH THEM TO REFUND THE FEES! THEY ARE NOT GIVING ME CORRECT INFORMATION, I AM ALREADY UNDER A MASSIVE AMOUNT OF STRESS, I DO NOT NEED THIS FROM THEM ALSO. IT WAS AN ABSOLUTELY HORRID EXPERIENCE THAT THEY PUT ME THROUGH! THEY NEED TO BE INVESTIGATED AND FINED! AND THEY CAN NOT WITHOLD THE CHECK NUMBERS FROM ME FROM WRITING CHECKS THAT GO THROUGH ELECTRONICALLY.
Company Response:
State: PA
Zip: 164XX
Submitted Via: Web
Date Sent: 2018-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-20
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I would like to complain about what I believe is undue burden placed on the student borrower by XXXX XXXX XXXX/PNC Student Loans when it comes to temporarily reducing loan payments as a result of a lower income. I called and spoke with a customer service representative from XXXX XXXX XXXX ( the servicer of my PNC Student Loans ) at the beginning of XX/XX/XXXX to discuss lowering my monthly payments, as I wasn't employed full time as of yet and was going to have trouble making payments once my loans entered repayment. I was told about a Loan Modification Program PNC Student Loans offers which temporarily reduces payments for eligible students, and received an application for this program via the XXXX XXXX XXXX online portal on XX/XX/XXXX. I filled out this application and sent it in via mail, and was called a week later by a representative about needing to submit additional pay stubs as those provided for my Co-signer were not consecutive. I resubmitted these paystubs Receiving no updates, I called XXXX XXXX XXXX to follow up on the status of my application about 3 weeks later, where I was told the application had been denied on the grounds that the pay stubs submitted were not consecutive. When I told them I had already sent these, I was told they were never received and I would need to reapply. I resent an application XX/XX/XXXX, and received a denial on XX/XX/XXXX via the online portal, on the grounds that my income/expense and my co-signer 's income/expenses did not meet the criteria for this program. I was discouraged and frustrated. I reapplied to the program on XX/XX/XXXX with new financial information, as in this time I was hired full time at a job out of state and moved out of my parents house- as a result my expenses greatly increased. I sent this application in via e-mail this time, as a result of having previous mail-ins not received ( the prior re-submission of pay stubs that were never received ) and hoping this would be a more timely, efficient method and I would be able to receive a response quicker. I called XXXX XXXX XXXX the third week of XX/XX/XXXX to follow up on the status of my application as I had not heard anything back. During this time, I learned that the applications I had sent in after my first application was closed in XXXX ( because of the missing pay stubs ) were invalid, since I was using the application forms sent to me in XXXX that had been closed. The representative told me the XXXX and XXXX applications were invalid because I needed to be sent new application forms to reapply ( even as the forms as the exact same as the original forms. ) I was extremely frustrated that this was never communicated to me, asked that a new application be sent so that I could reapply. I also asked which method would be most effective to send in the application- via mail or via e-mail- as I wanted to ensure my application was received, an was advised to send the application in via mail. I received the new application via the XXXX XXXX XXXX online portal on XX/XX/XXXX, and resent my application via mail XX/XX/XXXX. I called to follow up on the status of this application on XX/XX/XXXX and was told my application was being reviewed by the lenders and a decision was still pending. I called again to follow up on the status of the application on XX/XX/XXXX and this time as told I needed to send additional student borrower pay stubs, as I only sent 2 in ( as the application requests ) but since I am paid weekly, the pay stubs only reflect 14 days and need to reflect 30 days a pay. Additionally, I needed to resend a form where I had mistakenly checked a box then scribbled it out- I needed to resubmit this form without a check. I corrected and resubmitted these documents on XX/XX/XXXX. I called XXXX XXXX XXXX to follow up on the status of my application on XX/XX/XXXX. I was told I needed to reapply, as a line in the co-signers financial statement was incorrectly filled out and misleading. I am not waiting for a new application to be sent via my online portal, so I can apply for this program for the 5th time over the past 8 months. My complaint has to do with the tediousness and lack of communication throughout this entire process. It seems unnecessary that I should need to reapply every time there is a small mistake ( such as accidentally checking then scribbling out a box, to indicate that it was check ). It seems ridiculous that there isnt a way to submit an application online, that everything is via snail mail. I think it is also ridiculous that I cant receive e-mail or phone call updates to my applications status when it changes- I wouldnt ever find out about the errors with my application or additional documentation needed without calling the customer service line every week for updates- which involves navigating through an automated operator and being placed on hold for about 20 minutes collectively each call. It honestly feels like XXXX XXXX XXXXPNC Student Loans is trying to make the process of reducing payments as difficult as possible, which is frustrating for me, a struggling student borrower who has been making regular interest payments on my student loans since they were disbursed my freshmen year of college, have never missed a payment, and truly want to be able to continue making regular payments on my loans, but am just struggling with a lower income due to being less than a year out of college. The past 8 months of applying, re-applying and follow up calls have been frustrating and very stressful, as I have had to make full payments this entire time which I can barely afford, and unless they are lowered soon I fear I wont be able to make payments anymore. Additionally, if I compare my experience trying to lower my student loans with XXXX XXXX XXXX/PNC Student Loans with XXXX XXXX XXXX, I am even more aggravated, as XXXX XXXX XXXX made the process extremely quick, informative, and handles the paperwork themselves. Clearly it does not need to be this complicated, I truly believe that XXXX XXXX XXXX/PNC Student Loans is just purposefully making it so.
Company Response:
State: NY
Zip: 10128
Submitted Via: Web
Date Sent: 2018-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-20
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am requesting the financial outline to submit a full modification package to PNC Bank, but I have had difficulty getting any positive response since my mortgage is current. Recently, I had to borrow from a third-party nearly {$50000.00} to bring both of my mortgages current, and without a modification I believe I will once again fall behind in payments. Therefore, I need a modification package emailed to me or mailed directly to my home address.
Company Response:
State: PA
Zip: 19355
Submitted Via: Web
Date Sent: 2018-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-20
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have an auto loan with PNC Bank that is seriously hurting my credit score. Numerous late payment complaints have shown up on my credit score from them due to late payments and the payments I am making over the phone and online are not going through. Originally I started out trying to make online payments, but even though they looked like they were scheduled properly I quickly found out from the late notices two months in a row that it wasn't working. I should have complained then, but each time I called in and made the payment over the phone and was told, " Oh don't worry, if you pay right now with me it won't affect your credit score. '' Eventually I got into the habit of simply calling in and paying over the phone and that was working fine, but when I went to try and get a loan to buy my house I found that those late payments were indeed showing up on my credit report despite me paying them in full immediately upon discovering their computer error. Now, after having paid over the phone for months, I get a notice of default saying that I am overdue. I called them to find out what happened and how I could possibly be late today ( XX/XX/2018 ) and they told me that they did have a record of my call on XX/XX/XXXX and the payment I made, but that it was rejected due to insufficient funds. I looked through my bank statement for both XXXX and XXXX and at NO TIME during the month did my checking account even come close to being too low on funds for the {$540.00} payment ( lowest it dipped was just over {$2000.00} ). She told me I would need to fax in a copy of my bank statement to resolve things to prove it was a glitch on their end. Then, when I tried to make the payment today she said, " Oh I think I see what happened, looks like your account is missing a one there at the beginning in our file '' after I read her the account number off my check. But she couldn't explain how that number was missing when all my previous calls had payments go through without issue using that number in their system ( the previous phone calls PNC had used the checking account they had on file for me and I never had to read any account info to them, how did that number suddenly change? ). Nor could she explain how an incorrect account number would have accounted for an insufficient funds bounceback to them. I never got any notice from my bank for the charge being rejected, the statement doesn't show anything from PNC bank when I called. I have a confirmation that was e-mailed to me after the payment attempt was made and no other correspondence after that part from anyone until the notice of default I got this week. I'm sure that when I go check my credit report there will be ANOTHER late payment notice on there, and I want them all removed. I just want to pay them the money I owe and not have to think about it. My last auto loan I set up autopay online in 15 seconds and never once thought about making a car payment. With PNC it is total stress every month. It shouldn't be this hard to pay someone what I owe when I have the funds readily available at all times, and they won't accept any kind of advance payments or anything.
Company Response:
State: MO
Zip: 633XX
Submitted Via: Web
Date Sent: 2018-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-20
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On the weekend of XX/XX/18 I overdrew my checking account and during that weekend I made 2 cash deposits to rectify the situation. I called my bank and talked with customer service to see if they could help me refund a couple of the overdrafts. He said he was unable to do a courtesy refund because this had already been done prior. I said fine but didn't want to keep falling behind. I stated that I had a direct deposit going in the next day and he told me I would be fine and would accure any more fees. The next morning I had 3 additional overdrafts. I called customer service and asked to speak with a manager and was told none were available. I called back at the same number and was able to speak to a so called manager who was not able to help either. I am very upset due to the fact that I owned up to my mistake and tried to make it right and was told no fees would be added.
Company Response:
State: MI
Zip: 48910
Submitted Via: Web
Date Sent: 2018-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-19
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: I lost my house to foreclosure and lost my checking account record 's and I can not prove any payments pnc bank will not provide old statements please help me get copies of statements for XX/XX/XXXXand XX/XX/XXXX
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2018-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A