Date Received: 2017-10-02
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Good morning, Back on XX/XX/XXXX I paid for a lawyer by the name of XXXX XXXX in XXXX Alabama in the amount of {$1000.00}. Court was on XX/XX/XXXX. I also paid on behalf of my XXXX, XXXX XXXX. XXXX XXXX did not represent XXXX the day of court, he did n't speak to the judge, he did n't present any evidence on XXXX behalf to help his case, and he did n't do anything he promised to do. We basically got to court and said to XXXX this judge seems like he is n't going to do anything for us. He then told XXXX to take a plea and we wo n't be going to trail. This lawyer took the money but did not do any work for it. The lawyer did n't go to the hospital to to get any evidence or take the case to trail for which we paid the {$1000.00} for. I then called the bank on that following Monday after I could not reach the lawyers office to get my refund. I filed the dispute, I was then given a provisional credit in the total amount. The bank says they send me two forms for me to complete regarding this dispute but I never received anything in the mail. I filed the disput on XX/XX/XXXX that following Monday after the court date and after not being able to get a hold of the lawyer. XX/XX/XXXX I noticed that the credit was then reversed. In my mind I feel like my account was being montoried because the reversal happened as soon as my refund check from college was taken. I filed again on XX/XX/XXXX, I did n't receive anything in the mail so I got concerned and called the bank to find that my dispute was denied again due to the timing. I still have not received anything in the mail!!!! I feel that the bank prolonged my dispute so that I ca n't do anything about it and it 's unfair to me because if I 'm the customer and I say I have not received anything in the mail regarding my dispute of {$1000.00} I would n't lie. I 'm a single mother of XXXX now. This matter is very important to me and my small family. I would n't receive something in the mail from my bank and not respond in a timely manner regarding this much of an amount. I filed a dispute again today XX/XX/XXXX and I have also requested to speak to a manager, I was told that I will get a call back. The bank should have contacted me if I could not be contacted through the mail. I have my email on file and also my phone number. When money is not in my account after losing my job the bank called me almost every other day!! When my account was in the negative the bank called me but never brought up the fact that I did not turn in any of my forms for my dispute case! Now the bank is saying they do n't call or monitor accounts to be able to call me.
Company Response:
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2017-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: PNC Bank On XX/XX/XXXX, while I was traveling to XXXX Texas from XXXX XXXX, someone used my atm card ( which was NOT LOST ) to purchase items at XXXX in XXXX, XXXX in the amount of {$56.00} and at XXXX in XXXX, Maryland for {$55.00}. I was never in XXXX, Maryland on XX/XX/XXXX or anytime in recent years. I was unaware of these purchases until I tried to use my debit card at XXXX XXXX in XXXX, where it was declined. When I contacted PNC Bank, they told me that they deactivated the card because they suspected fraud, which was indeed the case. They granted me a provisional credit for these 2 charges, and reactivated my card because I was in XXXX, but told me to go to my bank branch and get a new debit card immediately upon my return to XXXX XXXX. I did as instructed, and went into the PNC bank on XXXX XXXX, XXXX, XXXX XXXX upon my return, and obtained a new card. On XX/XX/XXXX, I noticed that the bank reversed my provisional credit, recharging me for these two fraudulent purchases. I was unable to reach the bank by phone, so I went into the branch, and I was told that PNC Bank had made a coding error, and had coded my debit card as having been lost. I told the PNC agent that I had not lost my card, but that the bank had deactivated it to prevent fraud, and that I had come into the bank to get a new card, and had then cut up that card, as instructed. The PNC agent then accessed the internal system to correct the internal system error, for the first time, inputting that my debit card had been compromised, and that I had never lost it or authorized its use. She told me it would take about 10 days to investigate, but unfortunately, the bank was not going to issue me provisional credit during this time. I told her that it was unfair that the bank would make me ( The customer ) pay for its internal system error, and that I should have access to my funds immediately, as the bank is the one that should be protecting me, its customer. To date, I have not received this provisional credit. In these days where banks want their customers to use their atm cards and debit cards, it is outrageous that the bank should require its customer to bear the cost of its business. I did everything I was told to do when I was told to do it. I never heard from the bank until they reversed their provisional credit because someone in the bank wrongly coded my debit card as being lost. It never was! It was compromised, which is happening more and more each day. How are we customers to survive if the banks make us pay for the cost of doing their business!
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2017-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-01
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I open this checking account in XXXX with PNC. As I consider myself an informed consumer I was very aware about overdraft protection being a requirement that a consumer Optics 's in to that protection. When I opened this account I was very upfront and direct that I did not want any type of overdraft protection and that I would not be opting into that service. From what I perceived, in the past I was not being charge any overdraft fees. But recently my account did get overdrawn and PNC charged me an overdraft fee. Not only did they charge me an overdraft fee but they charged my account an additional XXXX dollars a day every day the account was overdrawn. As I was not aware that my account was sign up for the service I was under the impression all charges would be denied. just to give clarification these charges were not checks or ACH which I know are not covered under the overdraft opt out choice. These were direct debits. I called PNC and explained the situation and talked to a CSR on XXXX/XXXX/XXXX. I told the Car that I never sign up for OD protection. I was then told that originally the account was setup without OD protection but a few days later it was switched to what they call a protected account. They setup a virtual account and cover expenses from a savings. She stated this protected account does not require opt in or allow for opt out its automatically setup to draw from one another or you will get charged. I told the CSR that I understood but that is not what I sign up for and that I never opt in for any type of OD protection. For the account to change type or setup to change a few day later without my consent or acknowledgment was deceptive and unfair. I filed a formal complaint over the phone at that time.
Company Response:
State: VA
Zip: 22408
Submitted Via: Web
Date Sent: 2017-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-29
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: My complaint is regarding Overdraft fees. PNC Bank processes debits before credit in their nightly processing. On XX/XX/XXXX I gave my sons daycare a check -- they deposited it to their bank on XX/XX/XXXX ( non-pnc Bank ). My direct deposit hit that night. But based on how PNC allocates their funds and processes debit before credits the account was overdrawn. This is a way for PNC to make additional fees and I feel this is very unfair practice for Customers.
Company Response:
State: DE
Zip: 19701
Submitted Via: Web
Date Sent: 2017-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-29
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I HAVE APPLIED FOR A MODIFICATION AND SUBMITTED ALL DOCUMENTS THAT WERE BEING REQUESTED BY MY SERVICER PNC BANK. I WAS INFORMED BY PNC BANK THAT MY FILE WAS DEEMED COMPLETE WITH ALL REQUIRED DOCUMENTS ON XXXX/XXXX/17 WHICH IT WENT TO THE UNDERWRITING DEPARTMENT ON THAT DAY WHICH THEN I WAS TOLD THAT THE UNDERWRITING DEPARTMENT TAKES UP TO 30 DAYS FOR A DECISION. I HAVE BEEN CALLING ON A WEEKLY BASIS TO SEE IF THEN NEED ANY UPDATED DOCUMENTS DURING THAT TIME AND TO SEE IF A DECISION HAS BEEN RENDERED, ALL I GET TOLD WHEN I ASK WHY IT IS TAKING SO LONG IS ATTITUDE FROM ALL REPRESENTATIVES AS IF I AM BOTHER THEM AND THAT THEY ARE WAITING ON MY INVESTOR TO RESPOND IN REGARDS TO THE MODIFICATION REQUEST. MY LAST CALL TO THEM ON XXXX/XXXX/17 I WAS INFORMED THAT MY REVIEW HAS BEEN CLOSED OUT ON XXXX/XXXX/17 DUE TO THE INVESTOR OF MY LOAN DID NOT RESPOND TO PNC BANK REQUEST AND IT WAS TAKING TO LONG SO THEY ARE JUST GOING TO CLOSE OUT THE FILE. THIS IS ABSURD!!! HOW IS IT MY FAULT THAT THE SERVICER AND MY INVESTOR DOESNT KNOW HOW TO COMMUNICATE? I NEED HELP TO SAVE MY HOME AND IT CANT BE LEGAL FOR ME TO BE HELD RESPONSIBLE FOR THE INVESTOR AND SERVICER NOT COMMUNICATING!!
Company Response:
State: IL
Zip: 61021
Submitted Via: Web
Date Sent: 2017-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-28
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I am a single mom who gets paid every other week y. It appears PNC bank is just charging my account {$7.00} a day for going into an overdraft on top of already charging me {$36.00} for the three payments they made and another {$21.00} for going into overdraft, the whole system does not make any sense to me. I was lured into their program by being promised a {$300.00} bonus depending on the amount of money I deposited within a certain time. I did meet the criteria but they never honored it. Turns out the representative at their bank did not give me my checking account information but a savings ( reserve ) account number where my direct deposit ended up going and I did not qualify for the promotion. They do not provide checks so I had to depend on their representative to give me the appropriate information for the company I work for. To appease me because I filed a complaint they gave me {$100.00}. In addition when I opened the account I only wanted a checking they ended up opening two other accounts for me. Apparently it was part of the virtual wallet account package. However, I do n't use those accounts. I have a savings account with a credit union. Within less than a week I was charged the following : XXXX XXXX {$7.00} for service + charges fees XXXX XXXX {$36.00} overdraft fees XXXX XXXX {$21.00} for service charges + overdraft fees XXXX XXXX {$7.00} for Service charges + overdraft fees XXXX XXXX {$36.00} over draft fees XXXX XXXX {$36.00} overdraft fees I have attached a copy of my statement as proof
Company Response:
State: NJ
Zip: 08054
Submitted Via: Web
Date Sent: 2017-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: To whom it may concern : I applied for a loan modification with PNC in XX/XX/XXXX. My loan is a portfolio loan which is not owned by XXXX or XXXX and does n't qualify for HARP so options were to sell, refi ( but bring money to the table ) or modify the existing loan. On XX/XX/XXXX I received a trial payment condition in order to qualify for the loan modification. 1st payment {$900.00} .... I paid XXXX on XX/XX/XXXX 2nd payment {$790.00} ... .I paid XXXX on XX/XX/XXXX 3rd payment {$790.00} ... .I paid XXXX on XX/XX/XXXX ( I paid extra ) On XXXX I received a check back from PNC for {$790.00}. stating I did n't pay the amount in full. On XX/XX/XXXX I sent {$990.00} to PNC to ensure that my payment was covered ( this extra was to cover the fee they added ) When I received my loan modification paperwork - the terms were not what I wanted or agreed to, so I did n't except their offer. In XX/XX/XXXX my credit report is showing that I was over 30 days late for my XX/XX/XXXX payment. Now that I have a 30 day late I ca n't refinance my mortgage with any lender for a year. I feel that they set me up to fail so they could keep my loan to service for another year. Now I understand that the loan modification paperwork states paid by the XX/XX/XXXX of each month but if you listen to the recorded phone calls made by PNC their customer service reps state as long as its paid within the month. I made not have made the payments on the XX/XX/XXXX, but they were NOT 30 days late. Please see attached paperwork and bank statements showing that the funds cleared prior to the end of XX/XX/XXXX. Thank you in advance.
Company Response:
State: VA
Zip: 23452
Submitted Via: Web
Date Sent: 2017-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Last year, during the end of XXXX XXXX, I was scammed for an apartment sublet. The individual sent a check which PNC deposited into my account as spendable money by the next day. The individual did overpay me, and thus asked for a small amount back. I sent this through XXXX XXXX as a money order. Roughly six or seven days after the check was deposited, it bounced due to being a fake check. This overdrew my account. I worked with PNC to deposit money in order to get the account back to XXXX. During this time, I also filed a PA State Police report on the individual who sent the fake check, as well as reporting and receiving case numbers from both XXXX XXXX and the Federal Trade Commission. The account was set to XXXX and then closed. On XXXX/XXXX/XXXX, I attempted to open an account at a XXXX XXXX XXXX. However, after running my XXXX report, they declined me due to PNC closing my personal checking account under the category " Suspected Fraud Activity. '' PNC also claims in the report that " Any amounts owed have been paid. '' After finding out this information, I called PNC, and was redirected to multiple apartments, which then informed me that I owe for the XXXX XXXX transaction for XXXX that was made after my account was closed. This was due to them revoking a provisional credit given to me after I was scammed for that money. Not only does PNC claim I owe them money, while also attempting to " settle '' the amount, no one is able to provide a clear reason as to why the account was closed under that category and if the closure reason would be removed after I paid this " debt '' they claim I owe.
Company Response:
State: PA
Zip: 153XX
Submitted Via: Web
Date Sent: 2017-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-28
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Well you would think that we would have had enough with the last debacle with PNC regarding financing a home. I was assured and promised that if I gave PNC another chance it would be much simpler. That has proven not to be the case. I reached out to PNC to finance a home who I had originally financed through and had paid off in XXXX to pay for charges the city is mandating regarding the home be connected to the city sewer versus the septic it is currently on. I explained the property and the amount that was needed and started to go through the process then ran into some issues to say the least. I have been charged {$660.00} for an appraisal I never received on a Module home located at XXXX XXXX XXXX in XXXX XXXX that was originally financed through PNC. After I paid for the appraisal and had a lengthy conversation with the XXXX prior to him even coming to appraise the home explaining it was a module but was on a permanent foundation and on land that is owned, I was then told that PNC does not lend on module homes any longer and I would not be getting my full refund of the appraisal I paid for only a portion as I had to pay for the so called trip charge that was {$270.00} for him to drive from XXXX, Ohio to XXXX, Ohio which is XXXX miles or XXXX minutes. Then received a call from XXXX XXXX XXXX stating his apologies with Good news/Bad news information and then said he apologized but couldnt do the financing on the said home but definitely could do financing at a better rate on my home ( XXXX XXXX XXXX XXXX I use as a second and I agreed to then have that XXXX appraised. Not only did PNC not use the original XXXX I had originally paid but yet another XXXX and I was charged once again another {$500.00} ( money was taken off my credit card that was originally used for the first appraisal ) So XXXX weeks later and {$770.00} paid, I now still do not have a copy of either appraisals I have paid for ( {$600.00} paid XXXX/XXXX/XXXX with a credit back of {$330.00} on XXXX/XXXX/XXXX as I had to forfeit the so called trip charge as well as another {$500.00} on XXXX/XXXX/XXXX ) I am now being told that even though I own my houses all paid in full that I will need to do approximately {$20000.00} in work to obtain any kind of a loan on a home that has XXXX acres and was originally purchased for {$140000.00} for ridiculous repairs. Im being led to believe it isnt worth financing at all even with what the property alone is worth currently. Search XXXX XXXX XXXX Ohio properties for sale, including Farms, Ranches, ... the average value of land and acreage for sale in XXXX XXXX at {$23000.00} per acre. I would like both appraisals credited in FULL by PNC or be given both appraisals I paid for then I will be filing my grievance with CFPB/Consumer Financial Protection Bureau. I no longer want to do any further business with PNC and just want the money I have spent so far returned so I can work with a bank that is willing to help finance one of the homes I presently own in full. Sincerely, XXXX XXXX XXXX
Company Response:
State: OH
Zip: 44240
Submitted Via: Web
Date Sent: 2017-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-27
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have been charged over {$600.00} in over draft fees over the last 3 months. If you change the order in which the debits occurred from lowest first to highest it would eliminate most of the over drafts. Also many of the debits were less than the fee of XXXX making them no different than triple digit loan shark loans. PNC treats all online purchases made with a debit card as ACH which means it does n't matter if you are opted in or out of overdraft coverage, they can decide to cover the debit or not and charge the fee either way. All debits made on Saturday and Sunday do not process until Monday morning, which make the mobile banking part of the Virtual Walet pointless. NONE of the 15 over drafts I was charged were reversed even though there were circumstances that would warrant doing so
Company Response:
State: MO
Zip: 63108
Submitted Via: Web
Date Sent: 2017-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A