Date Received: 2017-10-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: My vehicle was repossessed by PNC Bank in the State of Illinois on or about XX/XX/XXXX. Please take special note that PNC Bank AND XXXX XXXX violated my legal consumer rights on multiple occasions which are detailed below. My rights were violated before, during and after the repossession of the vehicle. My rights were violated prior to the repossession in three forms. First, PNC Bank repeatedly accepted partial and intermittent account payments prior to the repossession, but then stopped accepting those same types of payments immediately prior to the repossession of the vehicle. This is a clear violation of my rights as outlined by the State of Illinois Motor Vehicle Retail Installment Sales Act ( MVRISA ) : 815 ILCS 375/20. Second, I contacted PNC Bank through the customer service phone number and attempted to negotiate new terms of the existing vehicle loan contract. The PNC Bank customer service representative was very clear that PNC Bank would not attempt to re-negotiate my loan terms to refinance. Although PNC Bank was under no obligation to re-negotiate the terms of the loan, the lack of assistance from that point forward was a clear violation of my rights as outlined in the State of Illinois MVRISA. Third, I did not receive a single phone call or message from any recognizable ( defined below ) telephone number, either landline or cellular. During my possession of the vehicle, there were only two recognizable phone numbers that communicated with me, either PNC Bank calling me or I calling PNC Bank. Neither of these two phone numbers communicated with me concerning the repossession of the vehicle. Again, this demonstrates unfair and unethical consumer business practices by PNC Bank, My rights were directly violated by PNC Bank and XXXX XXXX during the repossession ( after the vehicle was removed from my residence ). Within the allotted time, according to the State of Illinois Notice of Redemption, I contacted PNC Bank through telephone customer service and attempted to speak directly to XXXX XXXX. I DID leave a message on XXXX XXXX voicemail box stating that I would like to make a deal to get my vehicle back. My telephone call/message was not returned. Once again, this is a repeated violation of my consumer rights by PNC Bank and XXXX XXXX. Under the laws and statutes of the State of Illinois, a deficiency can not be claimed and a vehicle can not be repossessed unless all of the required notices were delivered accurately, properly and timely, and all of the allowable redemption and cure time limits were adhered to. On multiple occasions, PNC Bank and XXXX XXXX also violated my legal rights under the Servicemembers Civil Relief Act ( SCRA ). PNC Bank and XXXX XXXX did not afford me the proper opportunity to apply my rights under the SCRA. Thus far, I have simply asked PNC Bank to cease all collections, negative credit reporting and remove negative credit reporting activities from all my credit reports related to this account. I have sent a total of three ( 3 ) certified letters attempting to resolve this issue with PNC Bank. PNC Bank refuses to address the points that I have outlined above or any points in my communications. Instead, they have now turned the debt over to a collection agency named XXXX XXXX XXXX. XXXX XXXX XXXX., has since sent me a letter demanding payment in the amount of {$13000.00}. They have clearly stated they are going to seek legal judgement against me if I do not pay the {$13000.00}. PNC Bank and now XXXX XXXX are violating my rights. PNC Bank and XXXX XXXX do NOT even have matching amounts they are demanding for payment. Regardless, the vehicle was repossessed illegally.
Company Response:
State: IL
Zip: 60438
Submitted Via: Web
Date Sent: 2017-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-10
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I am currently in the process of refinancing a loan through XXXX XXXX, my current provider is PNC. As part of the underwriting process XXXX requires that i show 12 months of statements from my PNC account, when i contacted PNC 4 weeks ago they stated they can not provide that information and I need to login to their site to get my statements, they proceeded to tell me i needed a pin to create an account they said it could take 5 business days. When 5 business days went by i called them back they stated i must have missed it?? so they supposedly sent another one again after 5 more days no pin so i called back to speak to a manager which to my surprise was not present at the cll center so again i requested a pin, another 5 days went by and no pin. My next step was to go to the local branch according to the local branch they were on a different system and could not provide statement regarding mortgages. It has now been over 4 weeks since my first request andI still can not access my statements no one has followed up and i feel as though i am being held hostage given i can not provide the necessary required info to refinance this is unbelievable that this kind of thing can happen. Given the review i have read this seems to be common practice for this organization and should be addressed ASAP.
Company Response:
State: IL
Zip: 60124
Submitted Via: Web
Date Sent: 2017-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-10
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I. THE BANK UNILATERALLY EXTENDED THE INTEREST RATE LOCK AFTER THE RATE LOCK EXPIRATION DATE. The closing of our mortgage loan was originally scheduled for XX/XX/XXXX, and we had locked in our interest rate at 3.75 % until XX/XX/XXXX. The closing was delayed due to myriad of issues on the bank 's side, but by foremost, due to a delay in the bank receiving the appraisal report from its appraisal company. On XX/XX/XXXX, we were notified the closing will not occur on XX/XX/XXXX and we would not find out the new closing date until the following Monday, XX/XX/XXXX at the earliest. I asked the Mortgage XXXX XXXX ( MLO ) whether we can set the interest rate at the current rate rather than extending the rate lock after the rate lock expiration if the then current rate is lower than 3.75 %. The MLO advised me via text message on XX/XX/XXXX she " would fight for whatever [ she ] can get ''. We continued to ask about the then current interest rate but received no definitive answer. The closing was eventually rescheduled toXX/XX/XXXX - 4 days after the rate lock expiration date. Finally, on XX/XX/XXXX, the LMO advised us via email the rate lock at 3.75 % had been extended for an additional 5 days ( til XXXX/XXXX/XXXX ) at no additional charge to us. The bank unilaterally decided to extend the rate lock without discussing it with us or obtaining our agreement to it. We later found out the then current interest rate was 3.625 %. When we complained about the bank just extending the rate lock, the LMO said, the closing would have been further delayed if they had n't extended the rate lock. The bank was not truthful about its intentions on the rate lock and the rate lock extension. Based on the statements made by the LMO after the rate lock was extended, we learned that the bank would have never agreed to the lower interest rate. We asked the LMO ( who in turn asked her XXXX ) whether the bank would be willing to make any concessions at this late juncture and they said no. II. THE BANK HAS NOT YET REIMBURSED US FOR APPRAISAL AND CREDIT REPORT FEES AND FOR OTHER EXPENSES/LOSSES INCURRED AS A RESULT OF DELAY IN CLOSING CAUSED BY THE BANK DESPITE THEIR STATEMENTS TO DO SO. Due to the rate lock extension to XX/XX/XXXX, the bank issued a new loan estimate on XX/XX/XXXX. Although the LMO had informed us the bank would not charge us for the appraisal and credit report fees ( {$510.00} ) because the delay in closing was caused by the bank, those fees appeared on the loan estimate. We informed the LMO of the errors on the loan estimate, and she informed us those fees would not appear on the XXXX XXXX ( CD ) which would be issued the following day. We received the CD at the end of the day onXX/XX/XXXX and those fees were on still appeared on the CD. Once again we questioned those fees and the AVP/North XXXX Market XXXX ( AVP ) of the bank informed us on XX/XX/XXXX those fees were left on the CD because of the timeline in getting the CD out to us. The AVP further advised us that the bank will reimburse us for the appraisal and credit report fees after the closing and any other fees the bank feels is appropriate after the closing. We requested the bank give us our reimbursement check at closing on XX/XX/XXXX, but the bank failed to do so. The LMO sent us an email on XX/XX/XXXX advising us she is checking with the AVP on the status of the reimbursement check. In response to the LMO 's email, we sent an itemized description of additional expenses we had incurred as a result the delay in closing totaling {$360.00}. The additional expenses consist of non-refundable airfare for flight booked for original closing date ( {$230.00} ) ; Power of Attorney ( POA ) preparation fee ( {$75.00} ) ; mailing fee for POA ( {$27.00} ) ; recording fee for POA ( {$5.00} ) ; and wire transfer fee for funds due at closing ( {$20.00} ). It has been more than 3 weeks since we closed on the loan on XX/XX/XXXX. We still have not been reimbursed by the bank for the appraisal and credit report fee or for the additional expenses incurred as a result of the delay in closing. The bank 's lack of response is typical of their communication with us all throughout the loan transaction. All along the way leading up to the actual closing, the bank kept pressuring us that if we do not sign and return receipts and acknowledgement documents immediately, our closing would be further delayed. Everything had to be done urgently even though the bank sent us documents and requested additional information at the last minute at close of business.
Company Response:
State: AL
Zip: 35242
Submitted Via: Web
Date Sent: 2017-10-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-09
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Submitted a timely dispute on or about XXXX/XXXX/XXXX for a purchase in the amount of {$180.00} for merchant XXXX. On or about this date, a provisional credit was applied to the account XXXX. PNC Bank sent a dispute questionnaire dated XXXX/XXXX/XXXX with reference number XXXX. The questionnaire was completed and faxed to XXXX on XXXX/XXXX/XXXX at XXXX XXXX and XXXX/XXXX/XXXX at XXXX XXXX. On, XXXX/XXXX/XXXX the same questionnaire was sent by PNC Bank claiming they never received my questionnaire. Obviously, the bank either lost my 2 separate fax documents or this is a way to easily close debit card disputes initiated by consumers at this bank.
Company Response:
State: NJ
Zip: 08859
Submitted Via: Web
Date Sent: 2017-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My identity was stolen 3 years ago. Some one opened a XXXX credit card in my name at pnc bank on XX/XX/XXXX. Money was transferred to a person by the name of XXXX XXXX XXXX from the credit card for XXXX. I called pnc bank in the beginning of XXXX ( right around the 15 ) and told them that I did not open this account. The fraud department sent me a letter on XX/XX/XXXX and had me sign it so that there could investigate this problem. On Saturday XX/XX/XXXX I received a letter from PNC Bank stating that no such inquiry was reported to the credit bureaus. I have a copy of XXXX credit alert about the inquiry. I made a police report in XXXX after I called PNC Bank about the fraud. Police report number is XXXX.From the letter I received from PNC on XX/XX/XXXX, they think I opened this account, which I did not. I am going to contact PNC again on Tuesday due to Monday being a holiday. The inquiry was from PNC Bank in XXXX Ohio on XX/XX/XXXX. I was in California at that time. I put a credit lock on my credit for all 3 bureaus on XX/XX/XXXX. I had my credit monitored by XXXX at this time.
Company Response:
State: OH
Zip: 44107
Submitted Via: Web
Date Sent: 2017-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: PNC bank is holding my client 's {$5000.00} in escrow funds even though they have been released by both parties Buyer and Seller. Back story : " 1. XXXX XXXX borrowed money from a NY based unscrupulous lender. The lender started legal proceedings against XXXX when the company closed its doors. They then served papers on PNC Bank to put a hold on XXXX funds. They are allowed to do this against XXXX Operating account ( XXXX money ) but not against XXXX Escrow account ( money being held for clients ). 2. We believe PNC Bank acted improperly by allowing a hold on the Escrow account. Without directly agreeing with us, they have asked us to prove that the Escrow account is truly our clients money. We have provided that info and are awaiting their response. 3. XXXX has been negotiating with PNC Bank and has made some progress. 4. The Escrow account in question has over {$40000.00} in it, all of which is not XXXX money and should be released. We have asked that your {$5000.00} be released while this matter is resolved. '' I understand they are freezing the business account of XXXX XXXX, but the escrow account is not their money - these are funds held in trust for clients - and subject to release upon release by both parties.
Company Response:
State: FL
Zip: 33405
Submitted Via: Web
Date Sent: 2017-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PNC Mortgage raised my escrow amount without submitting a new escrow analysis, in violation of 12 CFR XXXX. No taxes or insurance premiums have changed, so I believe the change is in error. I have called customer service about this twice on XX/X/17 and received contradictory explanations from the two customer service reps. I then asked to speak to a supervisor, and was told none was available.
Company Response:
State: TX
Zip: 77004
Submitted Via: Web
Date Sent: 2017-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have an FHA mortgage through PNC bank and have been working with the PNC and our attorney to process a Deed-in-Lieu of foreclosure since XXXX XXXX. Four months ago, the final signed documents were submitted to PNC for the final approval for DIL recording. At this time, PNC through communication with our attorney stated everything was complete on their end, and no further documentation was required. PNC stated they were waiting for their law firm to submit the XXXX title to XXXX XXXX for recording. Since then, our attorney has called PNC 2x/week to which they have said, they have not received any update from their law firm. Our attorney for the last three months, has reached out to the law firm representing PNC 2x/week and all attempts have gone unanswered. To date, there is not county recording of the property being turned over to the bank, even though they said everything was submitted. PNC is telling us everything is complete, and deferring the non-processing issue to the law firm, but have not provided any direct feedback on the status of the XXXX submission. I believe this is an intentional delay by PNC and they have are providing us bad faith.
Company Response:
State: CA
Zip: 92071
Submitted Via: Web
Date Sent: 2017-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-03
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I was advised that an account was open under my name ( XXXX XXXX ) and my business name ( XXXX XXXX XXXX ) @ PNC Bank in New York. I advised them I 've never had an account with PNC and filed a complaint with PNC directly today XXXX XXXX, XXXX. As result causing me to have an issue with opening a business bank account with XXXX XXXX XXXX under my Business Name because it showing up in XXXX.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-03
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Yes I was charged XXXX for a purchase with rv parts and I filed a dispute with my bank on my own secured credit card and they still have not issued my credit I prepared the case for them and gave them 7 emails so that they could win under the fair credit billing act
Company Response:
State: GA
Zip: 30093
Submitted Via: Web
Date Sent: 2017-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A