Date Received: 2017-12-22
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I recently charged {$1.00} for a subscription service through XXXX. XXXX is linked to my checking and savings through PNC bank. While I meant to charge my checking, somehow my savings was charged. I do not keep anything in this savings account because I bank elsewhere. The {$1.00} charge caused an overdraft and a {$36.00} fee, of which I was unaware until five days later. By the time I was made aware, another {$36.00} fee had compounded on top of this. It is outrageous to expect me to pay {$72.00} over a {$1.00} incidental charge.
Company Response:
State: NJ
Zip: 07042
Submitted Via: Web
Date Sent: 2017-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-22
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I have been with PNC Bank for a few years and have never had a complaint until now. PNC has always worked with me to resolve issues that I have had in the past and we always came to a successful resolution. However, On XX/XX/XXXX, PNC allowed a XXXX debit card purchase to come through my account which was not supposed to happen because my account had insufficient funds at that time. I opted out of the overdraft protection for that purpose so that if I did n't have enough money to cover a charge it would n't come through. On XX/XX/XXXX I called PNC to discuss why that happened and the agent could n't tell me why, she just said it should n't have happened and that it was labeled as a recurring charge which is not true because it was a XXXX charge and it 's not something that is recurring from week-to-week or month-to-month. Because if I choose to use the post office instead of XXXX then XXXX ca n't charge me anything. When i contacted PNC on XX/XX/XXXX, although they said they couldnt refund the transaction amount, they did refund my over draft fee that was cause by the transaction ... Now my problem is I 'm being charged {$7.00} per day continuous overdraft even though the charge that came through on XX/XX/XXXX should n't have ever come through. Which is causing my account to become further and further and further overdrafted. And when I contacted PNC they stated that debit card transactions will be rejected if you do n't have enough money in your account ... But now it seems like if it 's labeled as a recurring charge then they will allow it to come through even if it 's your debit card and you do n't have enough money in your account. Who made the determination that this merchant has a recurring charge associated with my bank account ... this is a XXXX shipping account and the amounts due from one month to the next can be different. Whatever I ship that 's was charged If I decided to use them at all ... this is not a revolving credit account ... For the life of me I ca n't understand why Banks look at every possible way that they can find to continue to charge consumers money for things that are beyond the consumers control. And its only hurting the consumers. Because at the end of the day if the bank policy is to not honor a debit card transaction if you have insufficient funds then the bank should stick to that policy especially when the consumer opted out of overdraft protection for the purpose of avoiding this problem. But now it seems that banks are relabeling these transactions just to allow the charge to come through so that they can guarantee excess money from the consumers which is a red flag as far as I 'm concerned.. So in the end it apparently really does n't matter if you opt out of overdraft protection or not because since the government Forced Banks to allow consumers to opt in or out of overdraft protection, I 've been with a few Banks over the years and all of them look for every reason to allow the transactions to come through anyway to justify these fees ....
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2017-12-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-21
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Refinanced my XXXX XXXX XXXX HELOC on XXXX XXXX with PNC. XXXX XXXX XXXX informed me of a missing XXXX payment. I followed up with boA and explained it was refinanced in XXXX and paid in full and as a result no XXXX payment is due. XXXX informed me that they received the payoff check from PNC and it was {$100.00} XXXX est ) short so they returned the check to PNC on XXXX XXXX. I called PNC, XXXX the supervisor of the LO I worked with ( XXXX XXXX NMLS # XXXX ) apologized and took full responsibility of the error because she confirmed that she can see in XXXX 's email that the Check was returned and " unlike XXXX 's usual work practices '', XXXX failed to follow up or address the issue and ignored it. XXXX apologized profusely and told me she can not help me get XXXX to reverse the XXXX on my credit report but that she would give me an additional .25 % off my interest rate. I called XXXX and was ensured that due to the mishap, no XXXX would be submitted to the credit bureaus with my promise to pay. On XXXX XXXX I started receiving emails from XXXX that my credit report now had a XXXX. As a consumer I did my part and my credit score is being affected due to the errors of other i.e. PNC Bank. Please help me get this late payment removed from my credit report as it was clearly not my error but the error of a financial institution who was negligent in their normal course of business. In speaking with XXXX, she assured me that PNC takes full responsibility for the error. I also spoke to XXXX XXXX XXXX XXXX direct ) in the escalation department on XXXX XXXX. As of XXXX XXXX, XXXX XXXX has yet to respond to an email or voice mail of mine.
Company Response:
State: PA
Zip: 19446
Submitted Via: Web
Date Sent: 2017-12-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XXXX XXXX, XXXX, I was contacted through email by XXXX XXXX at XXXX XXXX. Her email was XXXXXXXXXXXX. XXXX contacted me through email regarding a debt with PNC. I writing this complaint due to my concern of the amount due and contact practices. I thought it was odd I was only contacted through email. My second issue is the balance. The initial balance XXXX XXXX is reporting is {$920.00}. This amount is different from what is showing on my credit report. I ask that CFPB investigate the validity of this debt and company. I do n't want to pay a company that is not legit. Information received from email : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Company Response:
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2017-12-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I received an email from a debt collector XXXX, saying that I owed {$14.00} on a PNC bank account. I called PNC and they told me that they were not allowed to tell me the balance of the account or the reason for the charge over the phone. PNC told me that I owe {$14.00}, and that in order to fix this problem, which I still have no information on, they need me to travel to a branch and solve it in person. However, there are no PNC branches in this State. So according to the employee I spoke with my only option is to travel out of state, find out what the {$14.00} charge is for, on an account I did n't know I had, with a balance that is unknown.
Company Response:
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2017-12-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a 20 year conventional mortgage that is being serviced by PNC Mortgage. I wanted to make an extra, principal-only payment on my mortgage, of {$30000.00}. I logged in to my PNC Mortgage account, and found an option to make a payment. But, there was no option to make a principal-only payment. In the small print, it says " How is the Payment Amount applied to my mortgage? ". When I click on it, it says, " Funds received will be applied to principal, interest and escrow ( if applicable ), satisfying as many full monthly payments as possible. Additional funds received will be applied to outstanding fees and then to additional principal if your loan is current. '' I think this is completely wrong, that they do not give you an option to make a principal only payment, and that they automatically just make as many monthly payments as they are able to with the extra funds. This benefits the bank, and costs the consumer, because the consumer ends up paying much more in interest than they otherwise would. I suspect that most consumers do not realize the difference that making an extra payment, to PRINCIPAL ONLY, can make to their equity and how it reduces the interest over the life of the loan. I called PNC Mortgage to see if there was a way to make a principal only payment online, and I was told that there is not a way to do that. So, I ended up mailing a check, and wrote all over the check " PRINCIPAL ONLY '', so hopefully it is applied properly. It has not cleared yet.
Company Response:
State: TX
Zip: 75234
Submitted Via: Web
Date Sent: 2017-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-20
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX XXXX XXXXXXXXXXXX To disputes XXXXXXXXXXXX XXXX XXXX office dispute Case number : XXXX I did not receive the merchandise because I came to XXXX XXXX XXXX XXXX XXXX XXXXat XXXX XXXX XXXX XXXX pa XXXX, thinking that they would fix my XXXX XXXX of my XXXX since I use XXXX XXXX, since I only need XXXX XXXX, but when they the XXXX XXXX XXXX XXXX XXXX XXXX office, when they put the XXXX XXXX on me that would have been the prescription according to them it would have been for the XXXX XXXX XXXX, when they put them XXXX on me, I could not see not even 3 feet away from me and without them XXXX I told the Dr. that Im able to see far away without those XXXX on than with them XXXX meaning that with them XXXX XXXX my far vision was off, but they when ahead any ways and gave me a next appointment for the XXXX, Im in a fix income, I have XXXX from the medical assistance office, and I been going to my regular XXXX XXXX. and he says that my far vision is better than 20/20 the only thing I need is my XXXX XXXX, my next appointment to my regular XXXX XXXX comes in XX/XX/XXXX and my last visit was in XX/XX/XXXX. That office : XXXX XXXX XXXX XXXX XXXX XXXX only wanted to take the money and wanted to take my far vision off just so I can read I only need XXXX XXXX and not my far vision to be taken off I need my far vision for everyday activities including driving, I felt like this was a sales meeting with them, because a responsible Dr. would have say well you cant see far away with the XXXX XXXX this means that you are not a candidate for XXXX XXXX XXXX because you do not need it and you only need XXXX XXXX, and I would only go ahead and do the XXXX if you want it as a want, with me and you knowing that your far away vision goes away with the XXXX XXXX which would be the prescription for the XXXX XXXX but only if you want it because you dont need it and I do not want your far vision to be taken off only so you can be able to read. So Im not a candidate for XXXX XXXX XXXX because I do not need it, because this office base on my experience with them could find everyone to be a candidate even if you dont need the XXXX, to me I do not need it and it would have been a want that would have ruined my far vision only to be able to read without XXXX XXXX. ALL I NEED IS XXXX XXXX I DO NOT NEED ANY XXXX XXXX XXXX THAT WOULD HAVE RUINED MY FAR VISION. I did contact their office right away at ( XXXX ) XXXX for they to refund that money back to my credit card but they did not and on XX/XX/XXXX someone from their office called me asking me if I agree for they to refund my credit card the amount of {$200.00} dollars but I told them that I need the full {$400.00} refunded to my credit card because that is what they took out of my credit card as down payment for the XXXX and whatever they did there was misdiagnosis on my XXXX because I did not needed I need that money back {$400.00} in my credit card because I live with a budget in low income and I struggle to cover my expenses as a XXXX dad Thank you Case number XXXX XXXX XXXX XXXX
Company Response:
State: PA
Zip: 186XX
Submitted Via: Web
Date Sent: 2017-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-20
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX Complaint Against PNC Bank, NA NMLS ID XXXX XXXX, MI Service Center and against XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NMLS ID XXXX, An Individual Authorized to Represent PNC Bank, National Association On XX/XX/XXXX at approximately XXXX XXXX, in the routine course of servicing my application for a Home Equity Line of Credit during a telephone exchange recorded by PNC Bank, XXXX XXXX, in his capacity of an authorized representative of PNC Bank, NA, did TWICE during the exchange falsely and maliciously accuse me of the federal crime of willfully attempting to commit fraud on my loan application. He clearly stated falsely that I was lying on the application. This constitutes two counts by authorized PNC Bank Representative XXXX XXXX of committing the civil infraction of libel against me and was a defamation of my good character, while XXXX XXXX represented PNC Bank, NA, which bears direct responsibility for his illegal and upsetting acts which are personally injurious to me causing great distress to my well-being since my victimization by XXXX XXXX as he spoke for PNC Bank. Having been the victim of age discrimination I cant help but wonder if PNC Bank encourages bullying of older folks like me. My date of birth was required on my application. I am in the process of discussing this possibility with a legal firm expert in matters of age discrimination. I contacted PNC Bank Representative XXXX merely to point out an error ON HIS PART that was delaying processing of my application. I was understandably upset at being called a liar and a felon and I demanded to speak with his supervisor at once. XXXX XXXX TWICE REFUSED TO TRANSFER ME TO A SUPERVISOR but upon my insistence finally did so. The PNC Bank supervisor ( name, full title, and NMLS ID available on request ) heard my complaint and promised me that the recording of this call would be saved indefinitely. In an email time stamped XXXX CST on XX/XX/XXXX I received an admission of PNC Bank error : and an apology and excerpted below, full text available on request : In regards to your complaints from the interactions on your call this morning.I did review the call and again apologize any inference taken from the statements made. we are again moving forward with the application. .and again please accept my apology for any misunderstanding. I have been contacted by a PNC investigator and will pursue this matter until I receive verification that XXXX XXXX has been subject to disciplinary action by PNC Bank, not excluding suspension or termination of his employment. Anything less will serve as solid proof that PNC Bank approves of, condones, and encourages XXXX XXXX illegal and outrageous behavior. This would surely indicate a more embedded culture of complicity by PNC Bank in areas that might uncover a XXXX XXXX corruption scenario that demands investigation by federal banking and justice authorities and in turn, the news media. Questions should be asked regarding how far up in the executive chain this might go. Like at XXXX XXXX, are instructions to Is the instruction to intimidate PNC Bank customers coming from PNC Bank CEO XXXX XXXX? It will be interesting to see whether my loan is approved since PNC Bank already erroneously ended consideration of it on faulty data recklessly submitted by its authorized representative, XXXX XXXX. That is until I corrected them and demanded my rights. I will certainly demand thorough investigation and audit by regulating authorities for even the slightest irregularities if it is denied.
Company Response:
State: IL
Zip: 60613
Submitted Via: Web
Date Sent: 2017-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX, we ( spouse and I ) took out a Home Equity Line of Credit with XXXX XXXX. PNC Bank took over our loan several years ago after the mortgage crisis. Our interest rates were XXXX 4.00 % XXXX years ago when interest rates were raised a quarter pt. by the FED to 4.25 %. We contacted PNC Bank and were told the fee to lock into a fixed rate was {$150.00}. We agreed to pay the fee. PNC Bank denied our request to lock into a fixed rate because we declared bankruptcy in XXXX. We were never late on any payment to XXXX XXXX, PNC Bank or XXXX. I lost my job as a government XXXX XXXX due to sickness and surgeries. I am receiving Social Security XXXX. Our credit rating is now good in XXXX. We contacted PNC bank and requested a fixed rate on our Home Equity Line of Credit every time the XXXX raised interest rates. Our interest expense on the loan is now 5.25 % with the current XXXX increase. PNC denied us a fixed rate every time because we filed bankruptcy in XXXX. Earlier in XXXX we contacted the XXXX Department XXXX XXXX XXXX regarding our problem with PNC Bank. They notified us to contact CFPB because they have no jurisdiction over ( PNC Bank XXXX banks that are not licensed/chartered in NYS. Our loan has been and is for our primary residence in New York. The XXXX XXXX and House tax plan eliminates the deduction for Home Equity Line of Credit interest expense.
Company Response:
State: NY
Zip: 11776
Submitted Via: Web
Date Sent: 2017-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: There was an amount showing up as unpaid that the company agreed was paid last year and per our agreed upon monthly amounts. They could not see why / how it got reported as an issue and were contacting the Bureau immediately for resolution.
Company Response:
State: OH
Zip: 44641
Submitted Via: Web
Date Sent: 2017-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A