Date Received: 2018-01-16
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: THIS INQUIRY IS UNKNOWN, PNC BANK XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # XXXX PNC BANK XXXX XXXX, 2017 Unknown inquiry, please delete
Company Response:
State: WV
Zip: 260XX
Submitted Via: Web
Date Sent: 2018-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-15
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: They have been contacting me for 3 years about a debt for a car I dont even drive I havent driven in 10 years Im XXXX XXXX XXXX and XXXX of XXXX XXXX they threatening my kids. And wont tell me exactly who they are.
Company Response:
State: MI
Zip: 48234
Submitted Via: Web
Date Sent: 2018-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-14
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have had this checking account since XXXX. I always direct deposit enough money to pay the Home equity loan prior to it being due. In XX/XX/XXXX they charged me a random {$7.00} fee on XX/XX/XXXX. They then paid my loan payment to themselves and overdrew my account by {$5.00}. I only use this account for a discounted rate on the loan through them. They proceeded to charge me {$36.00} for the overfdraft and {$7.00} a day for being overdrawn. On XX/XX/XXXX they sent me an email that I did not see as I deleted it because I do n't use PNC for anything else. I did see the 2nd email they sent me XX/XX/XXXXand I called that day. They agreed to take off the overdraft and 1 day charge of {$7.00}. I explained to her that this was a pyramid scheme and I have never had a fee one time like this and she just said the system will only let me remove {$43.00} and there is no manager I can talk to. Her only explanation was it is a free checking account and I missed the cutoff for that cycle by 1 day and there was nothing left to say. It was transferred from my other account prior to the XXXX break/weekend. This is crazy and unfair but she refused to even let me speak to someone else about it. I have since spoken to other people that said PNC did similar things to them.
Company Response:
State: MD
Zip: 219XX
Submitted Via: Web
Date Sent: 2018-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-14
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: While attempting to refinance a condo owned by my mother and me we ran in to an issue with PNC Bank. Our finance person had the new loan locked in at a significant saving for my mother who is XXXX years old and on a fixed income. She lives on social security and the income from her part time job as the XXXX at a XXXX XXXX XXXX. After multiple people and multiple transfers I was finally able to reach someone to ask about the situation and request a payment history. I could not get a consistent answer from anyone. One person would tell me they could fax the information while the next person would say that faxing was not permitted. I received the same run around with the option of email. Finally on XX/XX/XXXX they mailed me a copy of the payment history. Upon review several things stood out. First, on a XXXX year old loan which was originally for {$12000.00}, the current balance is {$11000.00}. This means that over the course of 10 years the principal has gone down less than {$1400.00}. Admittedly my mother, who lives in the condo and pays the mortgage, has been late and missed some payments but even with that being factored in that seems highly unlikely. Second, the payment history provided ended in XX/XX/XXXXwith a notation that it had been charged off. PNC has continued to accept payment past that point but refuses to provide me with any additional documentation of that payment due to a bankruptcy that was discharged almost 10 years ago. This loan was not part of the bankruptcy. On Thursday, XX/XX/XXXX, after many requests, I was finally contacted by a supervisor. He told me that the reason the loan showed as charged off is because they transferred the balance to another loan in XXXX. To the best of my knowledge, no new loan documents were signed nor did I authorize a change to initial terms of the loan. When I told the supervisor that I was going to be filing this complaint on advice of counsel, he openly laughed at me and said Let me tell you how this is going to go down. and proceeded to explain to me that they would produce documents from the original loan ( which had been previously acknowledge as no longer the active loan ) and that we would still have to pay them back. Im not trying to discourage you, just giving you advice. PCN Bank openly stated that they would knowingly and intentionally provide inaccurate documentation to the US Government as a part of this investigation. I have spoken to a number of real estate and finance professionals I know personally about this situation and they all have nothing good to say about this company or their business practices. They are known for manipulating customers and situations in order to assess fees and penalties which make it virtually impossible to pay off the loans they make to the average person. I realize that your organization receives innumerable complaints on a weekly basis. However, I would like it to be known that there is a loan offer pending the outcome of this investigation which expires on XX/XX/XXXX. Thank you very much for your time and consideration.
Company Response:
State: CA
Zip: 95821
Submitted Via: Web
Date Sent: 2018-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Upon conclusion of the XXXX and Holiday season ; I had gone to the XXXX XXXX branch on XXXX XXXX to make a deposit via the ATM. This deposit included XXXX checks ( one from my parent and 2 from my grandmother as gifts for our children for XXXX ) - Long story short - The ATM malfunctioned and ate all 3 checks ( that were all in the same deposit ) - as well as my ATM card. When I went into the branch to report the matter, I was told by the teller that there was nothing she could do then, as they do not directly service, nor have access to their ATM machines??? She advised she could file a dispute regarding - and when the 'third party ' company comes to retrieve and/or open the ATM - 'if ' the checks were found, they would contact me ... .. I provided the total amount of all 3 checks to her in order to file the " dispute. '' - ( On a side note, the fact that PNC employees do not have access nor are able to open their own ATM machines is absurd to me ) - As in my opinion, this could have been resolved immediately by opening the ATM and fixing the machine 's jam to retrieve my deposit. - When I then heard nothing for over a week, I called the branch and spoke to XXXX, who is apparently the manager there .... She then more-or-less told me that what I was told initially by the other teller at the time this occurred, was incorrect .... And that the dispute can take up to 90 days to resolve - but they may approve a 'Provisional Credit ' to be applied in the meantime ... She did put a request in to the 'escalation ' team that was to now help and assist .... Long story short from here ... I received a letter stating that the credit would be put into my account until the matter was investigated ... ok, great, fine ... .You would thing O, that 's great ... But O no, do n't get too excited for me as of yet ; I then received a letter in the mail from PNC stating the investigation was over and they only found 2 of the 3 checks - And more or less accusing me of false information provided!!!????!!!! - Again, that 's funny - ALL OF THE CHECKS WERE TOGETHER IN THE SAME DEPOSIT!!! - So just maybe - Your " Third Party Service '' who you apparently trust more than your own employees to service your ATM 's, PNC STOLE IT perhaps??? When I called into PNC by the number indicated on the letter - after being on hold for about 30 minutes - I was told they could not help me, that I needed to talk to the " back office ''? I should also mention that my mother/writer of the checks has been watching and none of them have yet to show as processed / deposited or accounted for in her and my grandmother 's account as of yet either ... Therefore, you would think it could be as easy as her stopping payment on them and simply write new ones ; However, the inconvenience and potential fees come along with that as well ... ..! Needless to say, this matter is still not resolved and is COMPLETELY RIDICULOUS that this has been ongoing for almost a month now. - As of this morning, I called this " Back Office '' and was routed to XXXX, at the XXXX branch location .... He is apparently to call me back later today with further information on .... Ha, yeah, cant wait to see what I am told next .... Ultimately, if you bank with PNC - GET OUT NOW! The minute this is resolved I am taking myself, my money and anyone along with me that I know to get as far away as possible from any association with this DISRESPECTFUL, UNPROFESSIONAL, IGNORANT and LAZY banking institution. -
Company Response:
State: PA
Zip: 15239
Submitted Via: Web
Date Sent: 2018-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: My husband and I used a PNC home equity loan to pay for golf school for our son in XX/XX/XXXX or so. The loan was backed by our home. We sold the home in XX/XX/XXXX so all should have been paid but they were not unknown to us. We received 2 late notices for XX/XX/XXXX & XX/XX/XXXX. Then started to make the payments. In XX/XX/XXXX they sent a bill for {$32000.00} to be paid in full. We have reached out several times for a payment plan but they will not work with us. We went Into the bank to apply for a loan but since we dont own a home for collateral they will not give us a loan. We called the XXXX number and had the problem w the escalation team. I have not had a phone call to give status or resolve this. We tried to use the home we are building as collateral but since the closing has been pushed from XX/XX/XXXX to XX/XX/XXXX they will not work with us. They are destroying our credit to where we cant get any loan. PNC had a lean on the house we sold. We are trying to file a claim with the closing company. XXXX XXXX XXXX. Attorney XXXX XXXX XXXX but he has not responded. I tried to call the president of PNC bank XXXX XXXX with no success of a return call. I dont know what to do get the loan paid off and fix my credit.
Company Response:
State: PA
Zip: 153XX
Submitted Via: Web
Date Sent: 2018-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is a follow-on to CFPB complaint # XXXX, dated XX/XX/XXXX associated with PNC Mortgage Company and PMI payments which should have been cancelled automatically. This complaint has been closed by the CFPB and PNC Bank has sent me a computer generated letter, dated XX/XX/XXXX, stating that I am no longer required to carry Private Mortgage Insurance ( PMI ), which I appreciate. However, they did not address my proposed and fair remedy to the problem and that is why I have created this new complaint. As previously stated in my correspondence and agreed by PNC, I started communicating with PNC in XX/XX/XXXX, regarding the removal of PMI on my loan. Based on PNC 's PMI removal requirements, my loan principle balance was below 78 % with the XX/XX/XXXX payment. Based on my original loan PMI documentation, PMI should have been automatically stopped at this time. It was not. On XX/XX/XXXX, I again wrote PNC, requesting deletion of PMI. They either did not read all information that I submitted or chose to ignore it and again sent me computer generated information on PMI. My complaint to CFPB regarding this was submitted on XX/XX/XXXX. In the CFPB complaint I proposed that PMI be terminated effective with the XX/XX/XXXX payment, which I thought was more than fair based on my communications and evidence. I did not request an effective date of XX/XX/XXXX, which legally, I should have been entitled to. In PNCs response to me and analysis of escrow account, the effective date would be XX/XX/XXXX. In addition, for XX/XX/XXXX, they charged me double for PMI ( MIP ) : {$86.00} versus {$43.00}. I received a refund of {$10.00} from XXXX, PNC 's partially owned PMI company. It was not my fault that the PMI document was originally written incorrectly and I did everything I could to resolve this issue in a timely manner. Based on the timeline of my communications regarding this and the PMI documentation, I was being more than fair by requesting a PMI termination date of XX/XX/XXXX instead of XX/XX/XXXX. Instead, they have taken an additional {$110.00} PMI ( MIP ) ( {$43.00} for XXXX plus {$86.00} for XXXX and minus {$10.00} refund check ) from my account. I request that I be refunded the {$110.00} overcharge or provided with detailed correspondence which clearly explains why I have been charged PMI for XX/XX/XXXX and double PMI for XX/XX/XXXX.
Company Response:
State: OR
Zip: 971XX
Submitted Via: Web
Date Sent: 2018-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: ON XX/XX/XXXX I WENT TO ATM MACHINE AT PNC BANK ON XXXX XXXX, XXXX, OH. I ONLY HAD A TOTAL OF XXXX IN THERE, OF WHICH I WITHDREW XXXX LEAVING ME A BALANCE OF XXXX. I DISCOVERED TWO HOURS LATER TWO TRANSACTIONS FRO XXXX TOTAL XXXX WERE REFLECTING ON MY PNC CHECKING ACCOUNT. THIS IS IMPOSSIBLE, I HAVE A RECEIPT SHOWING WHAT WAS DISPENSED, AND THAT ONLY ONE TRANSACTION WAS MADE. THE MACHINE HAS CAMERAS, THE BANK HAS THEM AS WELL, AND NO ATM MACHINE IS GOING TO DISPENSE XXXX TO A PERSON WITH ONLY XXXX IN THERE. THEY REFUSE TO LOOK AT THIS, REFUSE TO FIX THIS, INSTEAD TELL ME I WILL BE PUNISHED FOR THIS AS IT CANT BE DISPUTED FOR 14 DAYS, AND IN THE MEAN TIME I WILL ACCURE NSF FEES DAILY, AND MY FUTURE DIRECT DEPOSITS WILL BE TAKEN AND APPLIED TO THE DUAL WITHDRAW THAT NEVER HAPPENED. THE SECOND TRANSACTION HAPPENED PER PNC 12 SECONDS AFTER THE FIRST ONE. I AM LIVID, I HAVE BILLS TO PAY, I AM NOT PAYING FOR SOMETHING THAT NEVER HAPPENED! I DEMAND MY ACCOUNT FIXED APPROPRIATELY, AND MY CREDIT I HAVE OF XXXX TO GO BACK TO MY ACCOUNT RIGHT AWAY.
Company Response:
State: OH
Zip: 436XX
Submitted Via: Web
Date Sent: 2018-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-12
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Not sure where to start. But recently we decided to rewrite our loan with a local bank ( XXXX XXXX ) because our PNC loan was sold to XXXX and then XXXX XXXX. After going over paper work with this reputable man at XXXX XXXX, we found out that back in XXXX, when we were forced into a foreclosure program ( PLEASE KNOW this wasnt our fault ). I ( XXXX XXXX XXXX ) had lost my job like many others. They were saying on the news to contact your mortgage company for some options, to keep or sell your home. PNC did a BAD thing ... .they have done this to SO MANY OTHERS ... they put us into foreclosure and we were NEVER behind a single payment. WE HAVE PROOF! I have records of EVERYTHING and yet going up against a big business like PNC feels hopeless. Please tell us we can get help! As we went to rewrite our current mortgage recently, we found out that PNC had rewritten our loan to a 40 year mortgage to help us out. This we understood. We did not want to leave our home, especially because we did n't HAVE to. But what we recently learned was ... .PNC had taken all our equity put into this home. {$25000.00}!!!!! We have lived in this home since XXXX and we have NOTHING to show for it thanks to PNC!!! We are sick!! We do not want this to happen to anyone else. THIS WAS A SCAM. As I researched online to see if there are any lawsuits against PNC, I came across SO MANY others that were put into the same scam!! How sad is that??? **Please PLEASE help us** ... .this was done unfairly. This was done to us while we were under attack and scared. This was done UNJUSTLY because we were never behind in any payments ... .all we did was ASK what our options were. I hope I have given enough information here and I welcome you to call me/us. Thank you very much for reading our complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL
Company Response:
State: IL
Zip: 60506
Submitted Via: Web
Date Sent: 2018-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-10
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Greetings, My wife and I for well over a decade have had several accounts with PNC ( formerly XXXX XXXX ) bank. We have our mortgage with them, as well as a home equity loan, a Visa Credit card, and my wife has her checking account there into which her pay check is deposited. I also have currently what is known as their " Virtual Wallet '' savings account which is attached to a debit card. To put it mildly, PNC makes a good amount of money from our household with interest charges for the past decade. And we pay our bills on time. Here is the problem I am having. A few years ago, I had a standard savings account with PNC which is attached to a debit card. I am un employed, so the balance for my personal account was always low, usually under XXXX dollars at any given time. I mainly used that account for basic household items. A few years back, PNC started charging a monthly service fee for savings accounts that had less than a {$500.00} dollar a month average daily balance. When they started doing that a few years ago, I called PNC to complain, and a PNC customer service representative suggested that I close that account, and open up what PNC calls a " Virtual Wallet '' account, which was a new program. She said that if I did that, there would be no service fees, because PNC saves money with the " Virtual Wallet '' accounts, since they are paperless, and no hard copies are mailed to me on a monthly basis. She said the reason why PNC created the " Virtual Wallet '' accounts, was for folks like me who did not have much money and can not afford these fees. So I said GREAT! I closed my account, and opened up the virtual wallet account and everything was good. No more service fees on the new Virtual Wallet account. And I did not care about not getting any more paper statements because the balance was so low anyway, and I was able to electronically download the statements from their web site if I needed any. The problem now, is that PNC has gone back on their word. Last month, they started charging a {$7.00} monthly service fee, on the new " Virtual Wallet '' accounts! Yesterday, I received a {$7.00} charge. So for the past two months, I had {$7.00} service fees billed to that account. The most recent XXXX dollar fee brought my savings account into a negative balance. I called PNC to complain about this. To PNC 's credit, the customer service rep did refund the two {$7.00} service fees. HOWEVER, when I asked her if she could please stop charging the account the monthly fee from now on, she said she can not grant that request, because the customer service representative told me that this was a final decision made by PNC management several months ago, that it would be highly unlikely that PNC reversed their policy on this, and that if my balance on that account ever falls below XXXX dollars a month, I would still be charged that XXXX dollar fee from now on. The Customer service rep did acknowledge that the Virtual Wallet Accounts used to have no service charge, but that has changed, and management decided to also add service fees to the Virtual Wallet accounts. So I asked her what is the point of the Virtual Wallet accounts? They after all were created to offer no charge savings accounts. No answer on that. It seems like they are taking advantage of people who have low or no income. I also asked the PNC representative if they could make exceptions for folks like us, who have several accounts with PNC. She also said no. So the PNC Customer Service rep asked me if I wanted to file a complaint and I said yes. So she filed the complaint, issued me a complaint number for the complaint about the above as described. I asked her if I would receive a letter as to the decision, and she said no. She also suggested to me that even though she is filing the complaint for me, it will be a waste of time, because she seriously doubted management would make a policy change. Thank you for your consideration.
Company Response:
State: MI
Zip: 48180
Submitted Via: Web
Date Sent: 2018-01-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A