Date Received: 2017-12-02
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I am a member of PNC Bank and on XXXX XXXX, XXXX I noticed that there was a {$7.00} fee classified as a calculated service charge on XXXX/XXXX/XXXX. I called customer service and was surprised to find out that my account terms that I had opened XXXX/XXXX/XXXX had changed XXXX/XXXX/XXXX. The bank only notified me of the change by inserting the change on XXXX XXXX, XXXX online statement that I had overlooked. There was no notification that the terms that I had agreed to had changed by mail, branch, email, or phone. No separate notification or message through the online banking system. I feel that they should have tried more or sent out notifications or text message. I was charged the {$7.00} fee 4 separate times out of 6 months. The bank agreed to waive the fee twice. So I am out a total of {$14.00} plus the time to call them to straighten it out and file this complaint online.
Company Response:
State: MI
Zip: 48080
Submitted Via: Web
Date Sent: 2017-12-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My wife and I have been negatively impacted significantly by PNC bank erroneous reports. They have reported three times that I was late on my payments or missed payments. This is absolutely false. I 've actually made extra payments more than required to avoid any issues. I have never been late once by a day nor have I ever missed a payment. I 've called PNC to dispute these reports, however they stated that they do n't discuss these issues with their customers.
Company Response:
State: MD
Zip: 20720
Submitted Via: Web
Date Sent: 2017-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-01
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: PNC has two mortgages filed with XXXX XXXX, which both mortgages have XXXX balances. We were scheduled to close on this property, as sellers, XXXX XXXX, XXXX, however, have been unable to close due to PNC not providing payoff documents to the title company for these two mortgages. The title company has requested payoff balances to prepare their documents, and I have spoken with the following PNC individuals regarding these mortgages ; XXXX/XXXX/XXXX - Left message for XXXX XXXX, XXXX XXXX/XXXX/XXXX - Left message for XXXX XXXX, XXXX XXXX/XXXX/XXXX - Met with Branch Mgr - XXXX XXXX, XXXX XXXX/XXXX/XXXX - Followed up with XXXX XXXX, XXXX XXXX/XXXX/XXXX - Spoke with XXXX XXXX, XXXX XXXX/XXXX/XXXX - Spoke with XXXX XXXX, XXXX XXXX/XXXX/XXXX - Spoke with XXXX XXXX, XXXX XXXX/XXXX/XXXX - Spoke with XXXX XXXX, XXXX XXXX/XXXX/XXXX - Spoke with XXXX XXXX, XXXX XXXX/XXXX/XXXX - Received email from XXXX XXXX, XXXXXXXXXXXX XXXX/XXXX/XXXX - Met with Branch Mgr - XXXX XXXX, XXXX XXXX/XXXX/XXXX - Stopped in at branch in a.m. for follow up with XXXX XXXX. He was unavailable.
Company Response:
State: OH
Zip: 43221
Submitted Via: Web
Date Sent: 2017-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I was in Hurricane Irma, and many banks gave consumers the option to miss a car payment and they would add it to the end of the loan. I did this with PNC Bank and they still reported my credit with a late payment. I called their offices and they said they would fix it, but now I am trying to apply for a mortgage and they never fixed it and brought my credit down 60 points.
Company Response:
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2017-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-01
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: XXXX XXXX XXXX XXXX a partner at XXXX XXXX XXXX is the former Chairperson of the, XXXX XXXX XXXX XXXX, of the Illinois State Bar Association, allegedly, filed a foreclosure complaint on behalf of PNC Bank, NA on XX/XX/XXXX. PNC Bank NA is fully aware that a foreclosure was allegedly filed and that I filed a counter-complaint to defend this illegal action. PNC Bank, NA and XXXX XXXX XXXX XXXX similarly to XXXX XXXX holds a lot of financial and political power. I was deceived into thinking a foreclosure complaint was filed with the court when in truth no foreclosure was every filed. PNC has been collecting fees from this foreclosure that was never filed continues to charge me these illegal fees. PNC Bank, NA has committed numerous violations to the Fair Debt and Collections Practices Act as listed in the attached exhibits in addition numerous false documents have been submitted to the XXXX County Circuit Court. I recently found out that a foreclosure was not filed in accordance to common law and the rules and regulations that are required by the state of Illinois and federal law. That it was XXXX XXXX XXXX XXXX on behalf of PNC Bank, NA who submitted the documents pertaining to the foreclosure on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXandXX/XX/XXXX. The law firm paid the filing fee of {$880.00} and billed it to me along with other illegal charges but they only made it appear that a foreclosure complaint had been filed with the XXXX County Circuit Court. There are many legal steps that have to be taken before a foreclosure complaint is filed such as follows : That as a condition precedent to initiating a foreclosure the following must be done pe r 12 CFR 1024.41 ( f ) ( 1 ) - ( 2 ) : Servicers must engage in a single track for considering foreclosure alternatives up to the 120th day of delinquency. The foreclosure process may not commence if the borrower and servicer are engaged in a good-faith effort to resolve the delinquency. Also, prior to referral for foreclosure, the servicer must perform a formal review of the case to confirm that the borrower has been considered for a foreclosure alternative. Even after the foreclosure process has begun, servicers must continue to work with homeowners on foreclosure alternatives to ensure borrowers have additional opportunity to avoid foreclosure beyond the initial four-month period. At any rate I believe the documents I have attached will speak for themselves VIOLATION 1692e OF THE FDCPA 1. That the PNC Bank, NA is in alleged violation of the following : per 15 USC 1692e 807 False or misleading representations : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to -- ( A ) lose any claim or defense to payment of the debt ; or ( B ) become subject to any practice prohibited by this subchapter. ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ( 13 ) The false representation or implication that documents are legal process. ( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer. 2. That the PNC Bank, NA is in alleged violation of the following : per 15 USC 1692e 807 False or misleading representations : 3. That the PNC Bank, NA, intentionally failed to disclose important facts that were known to it that being a foreclosure complaint was never filed and fraudulent documents were filed with the Court. 4. The representations described above in section 1692 ( e ) were false when PNC Bank, NA made them, and PNC Bank, NA knew they were false when the collected them and continued charges and/or collections of attorney fees, legal fees, foreclosure costs, property inspection fees, filing fees, broker price opinions, predatory lending fees, and other charges and advances and are still collecting these fees. 5. That in reasonable reliance on the false and fraudulent representations described above and believing them to be true did not ask the Court to dismiss and award judgment and cost when the Defendants foreclosure complaint was allegedly filed on XX/XX/XXXX. 6. That the PNC Bank, NA made the representations described above with the intent and for the purpose of defrauding plaintiff. 7. That the PNC Bank, NAs concealment was a substantial factor in causing me harm. USC 1692f ; 808. Unfair practices 8. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ( 6 ) Taking or threatening to take any non-judicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. 9. That PNC Bank, NA knew it was in violation of the foregoing subsections when it attempted to collect a debt that was not permitted by law. 10. That subsections A, B and C constituted taking a non-judicial action 11. That the PNC Bank, NA knew these actions were not legal when it collected and continues to charges, attorney fees, attorney advancement, foreclosure fees, property inspection fees, court filing fees. 12. That the PNC Bank, NA intended me to believe that these fees were proper. 13. That, in reasonable reliance on the false and fraudulent representations described above paid these fees and continues to be billed these fees. 14. That the PNC Bank, NA was harmed by these unauthorized charges. 812. Furnishing certain deceptive forms 39. That subsection ( a ) of the foregoing states as follows : ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. 15. That the PNC Bank, NA represented to me that documents it submitted to me and the court were true and correct, when in truth they were not. 16. That the PNC Bank, NA knew these documents were fraudulent when they submitted them. 17. That I repeats and re-alleges each allegation including each Exhibit contained in my Affidavit attached herein with the same effect as if repeated in its entirety in this paragraph. 18. That I in reasonable reliance on the false and fraudulent representations described above and believing them to be true did not ask the Court to dismiss and award judgment and cost when the Complaint was allegedly filed on XX/XX/XXXX. 19. That the PNC Bank, NA made the representations described above with the intent and for the purpose of defrauding plaintiff. 20. That the PNC Bank, NAs concealment was a substantial factor in causing me harm. VIOLATION OF 1692f OF THE FDCPA 21. A debt collector violates the FDCPA when it attempts to collect a debt that is not authorized by law or an underlying agreement, see 15 U.S.C.A. 1692f. 22. The PNC Bank, NA has made derogatory entries on my Consumer Credit Report she has the right to bring additional claims under the Fair Credit Reporting Act, 15 U.S.C.A. 1681 et seq. 1692 ( b ) States as follows : ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 23. That Plaintiff suing under the Illinois Consumer Fraud Act need not allege all elements of fraudulent misrepresentation, because the Act prohibits any deception or false promise or omission of material fact. XXXX XXXX XXXX. v. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 24. That any conduct in business which creates a likelihood of consumer confusion or misunderstanding is potentially actionable under the Illinois Consumer Fraud and Deceptive practices Act and the Uniform Deceptive Trade Practices Act. Statements made need not be actually have been false but only misleading. XXXX XXXX XXXX v. XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX. 25. That unlike a common law fraud claim, a successful claim under the Illinois Consumer Fraud Act does not require that the plaintiff have relied on the deception. XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX. 26. That cost that are imposed on an unwilling consumer can constitute a substantial injury for purposed of claim under the Illinois Consumer Fraud Act ( ICFA ) . XXXX XXXX XXXX v. XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. VIOLATION OF ( 815 ILCS 205/6 ) 27. Plaintiff suing under the Illinois Consumer Fraud Act need not allege all elements of fraudulent misrepresentation, because the Act prohibits any deception or false promise or omission of material fact. XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 28. Any conduct in business which creates a likelihood of consumer confusion or misunderstanding is potentially actionable under the Illinois Consumer Fraud and Deceptive practices Act and the Uniform Deceptive Trade Practices Act. Statements made need not be actually have been false but only misleading. XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 29. Unlike a common law fraud claim, a successful claim under the Illinois Consumer Fraud Act does not require that the plaintiff have relied on the deception. XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. ) XX/XX/XXXX. 30. Cost that ar e imposed on an unwilling consumer can constitute a substantial injury for purposed of claim under the Illinois Consumer Fraud Act ( ICFA ). XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 31. That the PNC Bank, NA knowingly charge meinterest, attorney fees, attorney advancement fees, property inspection fees, foreclosure fees. 32. That the PNC Bank, NA knew that these fees were not proper when the PNC Bank, NA charged and continues to charge them. 33. Plaintiff suing under the Illinois Consumer Fraud Act need not allege all elements of fraudulent misrepresentation, because the Act prohibits any deception or false promise or omission of material fact. XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 34. Any conduct in business which creates a likelihood of consumer confusion or misunderstanding is potentially actionable under the Illinois Consumer Fraud and Deceptive practices Act and the Uniform Deceptive Trade Practices Act. Statements made need not be actually have been false but only misleading. XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 35. Unlike a common law fraud claim, a successful claim under the Illinois Consumer Fraud Act does not require that the plaintiff have relied on the deception. XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. ) XX/XX/XXXX. 36. Cost that are imposed on an unwilling consumer can constitute a substantial injury for purposed of claim under the Illinois Consumer Fraud Act ( ICFA ). XXXX XXXX XXXX v. XXXX XXXX XXXX , XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX. 37. That the PNC Bank, NA intended me to rely on allegations that these fees were proper. 38. That the deception occurred in the course of conduct trade or commerce. 39. That the PNC Bank, NAs concealment was a substantial factor in causing the me harm. 40. That the PNC Bank, NA continu es to charge the aforementioned fees and interest and these fees continue to occur.
Company Response:
State: IL
Zip: 60630
Submitted Via: Web
Date Sent: 2017-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-29
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: False information was provided about loan product, rates and terms. According to the loan origination officer, the title company alleges that collateral is in trust, which is not on record with the county deeds.
Company Response:
State: MI
Zip: 48038
Submitted Via: Web
Date Sent: 2017-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-28
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: In XXXX 2017 I mailed a check via XXXX. The check was lost in the mail. I went online to PNC Bank and canceled the check. After I canceled the check a " stop payment fee '' for {$33.00} appeared on my account XXXX XXXX, 2017. Prior to canceling the check I was not notified or warned that I would be charged this fee. I had canceled a check a couple months before over the phone and was not charged a fee. I was under the impression that I would n't be charged a fee for canceling a check online. I contacted the PNC Bank branch in XXXX, OH more than 5 times to speak to the branch manager and have the fee removed. I was continually assured it would be taken care of, yet it never was. I have since given up trying to deal with the branch directly as every time I call they tell me the same story about how he 's " working on it '' and needs to contact someone above him at another branch. Given that PNC has failed to resolve the issue for over 8 months, I now must turn to the CFPB for help.
Company Response:
State: MD
Zip: 20740
Submitted Via: Web
Date Sent: 2017-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Refinanced a commercial loan and trying to pay off the current loan with the loan servicing company, XXXX XXXX XXXX. XXXX is requiring three to five days to determine the pay off amount which is costing me over {$110.00} per day. Their reasoning is that is takes them that long to review the loan documents. Why?
Company Response:
State: CA
Zip: 93725
Submitted Via: Web
Date Sent: 2017-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-27
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: PNC Bank of New Jersey arbitrarily stopped including copies of our cancelled checks in our monthly checking account statement. We have been customers with PNC for over 25 years. The PNC Senior Choice Account Agreement we signed up for stated we would get copies of our cancelled checks. We first notified them of this error in XX/XX/XXXX, the PNC customer service representative said we would get copies in the XX/XX/XXXX statement, NO copies of cancelled checks from PNC in the XX/XX/XXXX statement. Called again in XX/XX/XXXX and the PNC customer service representative promised we would definitely get copies of our checks in the XX/XX/XXXX statement, NO copies in the XX/XX/XXXX statement. Called again in XX/XX/XXXX and the PNC customer service representative again promised check copies in the XX/XX/XXXX statement. In XX/XX/XXXX our statement had copies of the checks. In the XX/XX/XXXX statement, NO copies of cancelled checks. My husband visited PNC in XX/XX/XXXX and spoke to a bank representative at a PNC branch located in XXXX, NJ to again explain the issue. PNC 's customer representative said we are in PNC 's Senior Choice Plan and we are entitled to copies of our cancelled checks. He promised we would receive copies in the XX/XX/XXXX statement, NO check copies were received in the XX/XX/XXXX monthly statement. As seniors, we feel PNC is taking advantage of us, but more importantly PNC is breaking the terms of their agreement. Thank you
Company Response:
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2017-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-27
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: About two months ago, I made 3 purchases with my XXXX debit card. My XXXX debit card is linked to my pnc debit card and the way it works is that when you purchase something with it, XXXX will collect it as a check on your personal debit card. For some reason my account had non sufficient funds and for each of those 3 transactions charged a {$36.00} overdraft fee, then they had the transactions returned resulting in 3 additional {$36.00} return fee for each transaction. Not only did they not pay target but they charged me {$210.00} in fees. As a result of that I also ended up owing target return fees as well. PNC also kept a daily overdraft fee being charged to my account. I tried to dispute these charges and they just told me that that was policy and nothing could be done. I ended up with a negative balance of {$470.00} and they threatened with collection if amount wasnt paid. I ended up paying to avoid collection but that is a steal. They didnt pay for anything so I still owe target this money. I still have to pay target fees. They ran of with all this money from me. I have closed my accounts but I wanted to see what i could receive in help from you guys as I read I could look for help here. Thank you so much.
Company Response:
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2017-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A