Date Received: 2023-06-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Received the same modification packet dated XX/XX/, which was due on XX/XX/, with additional documents to notarize and sign. However, there is no expected date to return the additional notarized and signed documents, the expected return date still shows XX/XX/. In addition, sections in the packet that are currently highlighted were not highlighted before. This complaint is a continuation of complaint # XXXX. I'm still waiting for a response to the following : I discovered on the XXXX XXXX section, Additions to Principal Balance shows a debt balance of {$13000.00} ; however, the most recent mortgage statement dated XXXX shows an escrow credit of - {$13000.00}. Why was this amount added as a balance due instead of a credit? It contradicts the XXXX XXXX as it shows this amount as owed, but on the statement, it is a credit. Why was the escrow amount added as a balance due to the unpaid principal balance of {$150000.00}, causing the New Modified Unpaid Principal Balance to increase to {$170000.00}? Existing Unpaid Principal Balance {$150000.00} Additions to Principal Balance Unpaid Accrued {$7200.00} XXXX XXXX for Escrow Items {$13000.00} Subtractions to Reduce Principal Balance : New Modified unpaid principal balance {$170000.00} Is the amount in question showing as a debit, the money I owe, or credit money owed to me? Will there be any additional documents to be notarized and signed? Please provide the expected date to receive the returned and additional documents.
Company Response:
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: My identity have been stolen by unknown persons, and it needs to be cleared as soon as possible, I am a victim of being compromised by unknown individuals in the past years but have no clue who the theft is that did this to me
Company Response:
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a mortgage account with PNC Bank. This is a relatively new account and we had decided to pay the property taxes on our own. The XXXX country never sent us the bill for the taxes and just sent us a notice of delinquent payment which we did pay right away. Now I got a letter in the XXXX mail from PNC reporting that a recent review of the tax records indicated the real estate property taxes are delinquent. They wanted us to provide proof of payment within 30 days. The letter also stated that this is the only notice that we will receive and that if the proof is not received by the bank in 30 days, the bank will establish an escrow account and advance payment, which will include the current amount outstanding and any penalties and interest due, to resolve the delinquency. The escrow account will remain in effect for the life of this loan. Now here it all goes bad. I find this letter threatening and unscrupulous in the fact that PNC has been corresponding with me and sending other emails but sends this notice in mail and puts the burden of presenting the proof squarely on me. I tried to send a copy of the proof of payment via email but it was undeliverable at the provided email address. I tried calling the phone number provided on the letter but no one responds. It only gives a pre-recorded message. I tried calling the regular PNC bank and talked to customer service in mortgage department and she gave me another email address that I should send the proof of payment to. I have sent it again to the newer email as well. From all this, it appears more like the bank is more interested in levying fines and fees from me rather than getting the proof of payment. Also, if the bank can find that I have not paid property taxes then why can they not trust me and collect the information about taxes one more time. The bank makes it certain to tell me that this is the only notice, what if I had not received it in mail, what if the mail had gotten lost, why does the bank not try multiple avenues like email and regular mail. I request that CFPB looks into such predatory practices of PNC bank and protect innocent customers like me. Thanks XXXX XXXX
Company Response:
State: CA
Zip: 93619
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My husbands debit card was used without his permission for the following amounts : XX/XX/23 {$43.00} XX/XX/23 {$110.00} XX/XX/23 {$23.00} XX/XX/23 {$43.00} We filed a dispute with XXXX on XX/XX/23 and were issued a new card. That card was used without his permission for the following amounts : XX/XX/23 {$53.00} XX/XX/23 {$43.00} XX/XX/23 {$130.00} We filed a police report and another dispute explaining we thought someone had potentially taken his card without his knowledge but no matter what these were unauthorized charges. I was told my dispute was settled and no error was made because similar charges had been made within the last 90 days ( it was to a donut shop ). So apparently you cant have unauthorized charges to a place you ever go to. I was also told that it was a chip on chip transaction but as I explained, we suspected the card had been stolen. I have never had this much trouble getting my money back from an FDIC insured account.
Company Response:
State: AZ
Zip: 856XX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX I request to have PMI removed from my mortgage due to the home equity exceeding 20 % of the XXXX ratio. In XXXX PNC responded asking me to provide justification of the increase in my home value and a check for {$100.00} for a XXXX XXXX XXXX. The check was received on XX/XX/XXXX and cashed on XX/XX/XXXX. On XX/XX/XXXX, PNC mailed me a letter stating that the price increased to {$150.00} as of XX/XX/XXXX. I contacted PNC to ask why the price increase applies to me since I submitted my request and my check was cashed before the new price went into effect. I called XXXX more times during XXXX and XX/XX/XXXX and each time was told someone would call me back to explain. I never received a return phone call. Finally on XX/XX/XXXX I called and demanded to speak to someone right then that could explain since no one had ever called me back. I was told that the PMI department does not speak to customers which is why no one called me back. They did not explain why I was told I would receive a call back. The customer service rep I did talk to said that it did not matter when I submitted my request or when it was processed ; at any point if the price changes they can cancel my request and require that I restart the process and pay the higher fee. That is misleading and deceitful to allow a mortgage company to change rates at any time and make them retroactive.
Company Response:
State: NC
Zip: 276XX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have never had an account with PNC bank. I have told them and there collection agency this as well I have asked them to show me where I agreed to them issuing me an account at my request and have shown them that they never had title to my debt. In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: TX
Zip: 77586
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
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: They have increased my monthly payments of {$50.00} to {$160.00} per month for no reason. My balance is {$1500.00}. There is no way any company can justify ripping off a customer this way this is horrible what they are doing it needs to stop and they need to be sanctioned for it. Also they did not cancel a charge to my account that I did not make some person from Arkansas made for {$17.00}. They still haven't done anything about that at all. Seems like their customers are just foder for theives to cash in on and get away with it. I think they need to be investigated for this nonsense.
Company Response:
State: MI
Zip: 48185
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: am writing to ask assistance with PNC Bank. Our concern is related to a mortgage we obtained with PNC Bank on XX/XX/XXXX, in the amount of {$150000.00}, interest rate /note rate of 3.390 %. At the time of application, we were instructed by PNC Bank we would receive a discount of .25 % off our interest rate if we set up a checking / savings account with PNC and an auto payment through the account. We do not facilitate our day-to-day banking with PNC but agreed to opening up the account due to the discount. We have followed through opening up a PNC account and auto pay through this account as agreed. Note this is an inconvenience as we do not do our day to day banking at PNC. At or around the beginning of COVID XXXX my wife and I discussed options to support the deposits due to PNC closing down a local branch in our grocery store and other branches having limited hours. We decided to contacted PNC to review our options through their online banking and or using our XXXX account to make the payments and forgo the discount. I contacted PNC and was told by the representative that if we remove the PNC account auto pay, we would be penalized .25 % and this would be now added to our payment. During our conversation she related the .25 % would be added to the note rate of 3.390 % that did not seem correct as we were under the impression, we were receiving a discount from the 3.390 % of .25 % or that what was represented by the PNC representatives. The representative asked to complete some research and get back to me regarding our questions. We did not hear back from PNC over the next month so I again called and was informed if we closed the PNC account and stopped the auto pay via this account, we would again be penalized .25 %. I asked the representative to forward a copy of all the documentations from application we were sent and executed for our review. After 2 additional attempts to receive the paperwork, we received it finally on XX/XX/XXXX. We reviewed the information and could not locate any information holding us to the auto pay or any penalties, note this matched our paperwork we retained from our closing in XXXX. We again contacted PNC and were again told if we close our PNC account and auto pay, we would be penalized. We requested that the representative review the paperwork, on XX/XX/XXXX, we received a letter from PNC that our rate of 3.39 % includes the discount ( it did not state what the discount was ) but did not address the auto pay or closing the account that was our original questions. We contacted PNC I contacted PNC to review as it did not address our concerns and was told that I need to review the paperwork again and again threatened with a penalty if we removed the auto pay. I asked that this issue be escalated. We did not hear back from PNC for several months via many many attempts, but was finally was contacted by XXXX XXXX from their escalation team in XXXX of XXXX. XXXX relayed the same information the previous representative relayed but I asked XXXX to research that he agreed to complete. XXXX completed his research and in XXXX of XXXX he relayed that PNC had made an error and we could now close the PNC account auto pay without penalty. He also stated the discount was in our rate of 3.39 % even though we were told we would receive a discount if we opened up a PNC account and set up auto pay. We requested XXXX to follow-up with written confirmation via email or mail for our protection that seemed a reasonable request due to the historical amount of misinformation. XXXX communicated he could not personally put this in writing that appeared odd but would submit a request. When asked for a timeline he refused but told me he would be in touch, but written correspondence can take a very long time. That was over four months ago, per my records I have contacted XXXX over twelve times for an update, but he will not return a call or provide any additional information. The end of XX/XX/XXXX I decided to contact PNC customer care center and was put through to a supervisor named XXXX XXXX. XXXX read the notes from my file and stated he would communicated my request from an update but would not provide XXXX XXXX supervisor name in case I did not receive an update. I had not received an so on XX/XX/XXXX I visited a local PNC branch and spoke to XXXX XXXX / Branch Banker in effort to receive an update and request for assistance. XXXX stated he would assist and provide an update, but again he stated per their policy if I closed the account / auto pay we would incur a penalty. I am asking for your intervention to obtain written assurance from PNC I will not penalized for closing my auto pay and my consumer account. I fully understand business can makes mistakes, but PNC conduct can be defined as deceptive and misleading. I can only imagine how many consumers PNC are misleading by requiring them to open up accounts through these deceptive practices and conduct. We have attempting to resolve this matter for over 2 years so we appreciate, and I believe other consumers would benefit from your review and investigation. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX
Company Response:
State: NJ
Zip: 08053
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Other transaction problem
Subissue:
Consumer Complaint: Subject : Urgent Assistance Required Regarding Erroneous Bank Transfer Dear Sir/Madam, I hope this message finds you well. My name is XXXX XXXX and I am a client of XXXX XXXX XXXX XXXX XXXX based in XXXX. I am writing to you regarding a situation that unfolded on XX/XX/2022, when I made a transfer amounting to XXXX XXXX ( equivalent to XXXX XXXX ) from my current account. This transaction was intended for a PNC Bank account located in the XXXX XXXX branch, New Jersey. According to XXXX XXXX XXXX XXXX XXXX, the transaction was successful and the respective amount was duly deducted from my account. However, I have encountered a significant issue : the beneficiary account details, including both the account holder 's name and the account number, were erroneously entered by me. The inaccurate details were initially set as placeholders to verify the functionality of my banking app and to check the exchange rate provided by my bank. Unfortunately, I unintentionally proceeded to initiate the transfer to this dummy account profile. I have made attempts to rectify this issue through my bank, XXXX XXXX XXXX XXXX XXXX, but they have expressed their inability to assist me further. They have indicated that the funds have already been deposited into the PNC bank account and that their communications with PNC Bank have not been fruitful. Considering this, I humbly request your guidance to get in touch with the appropriate contact at PNC Bank, enabling me to address and resolve this predicament. Your assistance in this matter is of utmost importance to me and would be greatly appreciated. Thank you for your time and consideration. Best Regards, XXXX XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: 15 usc 1692d violations phone calls with deceptive actions and vulgar language by agent XXXX XXXX by pnc bank phone call at XXXX XXXX. Please cease and desist all deceptive phone calls and business practices. Please mail all information questions and concerns, certified mail
Company Response:
State: TX
Zip: 75208
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A