Date Received: 2023-06-16
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I traveled to XXXX XXXX in XXXXXXXX XXXX on XXXX ( XXXX ) separate occasions ( dates listed below ). I paid for the reservation with a completely different bank card, but I utilized my PNC XXXX XXXX card for the {$50.00} resort incidental charge for all XXXX ( XXXX ) separate occasions. Upon checking out each of the XXXX ( XXXX ) separate occasions, XXXX XXXX in XXXX, XXXX released the {$50.00} incidental immediately, however the funds HAVE NEVER been returned by PNC XXXX XXXX and in fact, have recently found out that PNC XXXX XXXX added an additional 15 % charge to each of the {$50.00} incidental charges totaling each separate XXXX ( XXXX ) occasions to {$57.00}. Upon calling PNC XXXX XXXX customer service several times, I have been repeatedly told that the charges are not visible. I then call back to customer service and told that the charges are miraculously visible but in a pending state, and has that additional 15-20 % surcharge in addition to the incidental that PNC XXXX XXXX blames on the resort and or hotels. PNC XXXX XXXX has given me an expectation of XXXX hours ( XXXX days ) for funds to be released, however its been well over the XXXX days and funds have not been returned. Ive called and called to rightfully have my money returned from PNC XXXX XXXX as they are stealing, scamming and fraudulent charging and holding customers funds. Please see XXXX XXXX dates below. Between XXXX XXXX XXXX Between XXXX XXXX XXXX Between XXXX XXXX XXXX Between XXXX XXXXXXXX XXXX Between XXXX XXXX XXXX Between XXXX XXXX XXXX - - - - - - - - - - - - - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - The same incident occurred between XXXX XXXX XXXX XXXX XXXX XXXX, as I paid a {$50.00} incidental but PNC XXXX XXXX charging me an additional 15-20 % more than the incidental and then claiming the charges arent visible, then retracting that statement and stating that funds will be reversed in XXXX hours but never happening. I also have a pending transaction between XXXX XXXX XXXX with a completely separate XXXX XXXX where my total was {$130.00} for the room and with the {$50.00} incidental is {$180.00} out the door. However PNC XXXX XXXX billed me {$210.00} which is an additional {$25.00}. I am including the pending transaction as well to ensure I receive that incidental and the extra percentage PNC XXXX XXXX charges back immediately as well. This is corporate theft, fraud and scamming from PNC XXXX XXXX and all my money needs to be returned immediately and Im certain Im not the only person they do this to, but I refuse to be bullied, stolen from, scammed and defrauded and I will continue to file complaints and on the verge of a class action suit.
Company Response:
State: GA
Zip: 30342
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX XXXX, I have another concern that can be added to the pending questions and research. I discovered on the Recovery Modification section, Additions to Principal Balance shows a debt balance of {$13000.00} ; however, the most recent mortgage statement dated XX/XX/2023 shows an escrow credit of - {$13000.00}. Why was this amount added as a balance due instead of a credit? It contradicts the Recovery Modification 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} Mortgagee Advanced 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? The Recover Modification shows this amount as owed, and the mortgage statement shows a credit. I will also add this concern along with the backup to CFPB for compliance purposes.
Company Response:
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I was supposed to receive an account opening bonus of {$400.00} several weeks ago after meeting all stated criteria. After reporting this issue to PNC on XX/XX/2023 by chat, they opened a ticket ( XXXX ) with their research team and asked me to check back in 3 weeks. When I checked back in 3 weeks later, I was given confusing and incomplete information by their chat agent, XXXX, who re-asked for the same information and re-raised a request despite me asking her not to. I wanted an update on the reference that was raised weeks ago, and she continued to ask for the same information provided weeks ago. I do not feel comfortable with how PNC has handled this- if there was an issue with reference XXXX, they should have reached out to me, and they should have reviewed the original request to see that all information was provided. At this point, PNC has not handled crediting my account for this promotion or communicating with me properly regarding this issue.
Company Response:
State: IL
Zip: 60532
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: A tax levy filed by state of California was taken out twice from my personal account. The bank had paid the first notice on the last day it was due, which retired the debt fully. When a second notice was sent by the state as a reminder, with an additional months interest, PNC bank treated it as a second levy and also paid that notice out of my personal account. The bank would not cancel the patment despite acknowledging the first payment PNC submitted was the sole payment requested. I have requested a refund from California state tax authority, but my funds have not be free to pay down PNC credit card, do PNC will earn interest invome due to its incompetence.
Company Response:
State: CA
Zip: 92264
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: PNC Bank sent multiple notifications via USPS stating they were closing multiple accounts, where my name was listed, by XX/XX/XXXX. Two of these accounts are long established business accounts ( opened since 2007 ), while the other two are personal/family members accounts that have been open for at least 20 years. We have reached out to PNC Bank several times both to our local branch and via the toll-free number provided in the letters. All individuals I spoke with stated they were unable to or unwilling to provide any information to the accounts closing. They were also unable to direct us to anyone who could give us any reason for the accounts closing. The combined total in the accounts is approximately {$130000.00}. There have been no unusual transactions made in any of these accounts. The type of account activity has pretty much remained the same since they were opened. Please advise what you can do as I would like a detailed explanation for the decision to abruptly close my accounts. Please note the only contact between the bank and myself was via these generic letters with no personal contact information supplied.
Company Response:
State: MI
Zip: 493XX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/2023, I paid my mortgage in the branch via personal check with the late fee included. The receipt stated calendar date and business date. The payment was received on XX/XX/2023, but was not reflected on the statement until XX/XX/2023. I acknowledge this was a holiday weekend. However, their written correspondence clearly states the payment will be credited the same day. This is troublesome because PNC mortgage and its statements state the payment is credited the date received. That did not happen in my case. There is no addendum to the statement which makes it egregious and misleading. Before PNC Mortgage attacks me, I acknowledge the payment is due on the first. I have never made a mortgage payment after the 30 days has elapsed. The issue is not me, the issue is PNC Mortgage has misleading statements on its website and written correspondence. That can harm borrowers as they may make a payment on the XXXX of the month thinking it will be credited the same day and it won't be credited the same day as their written documentation states. Their inconsistent practices are harming borrowers and potentially ruining their credit.
Company Response:
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Late last year PNC took over my mortgage. I have sent my mortgage payments on time like I have for the past 40 years. PNC is extremely slow in processing my payments and now wants me to pay a late fee of {$66.00}. The company is incompetent in their ability to process loan payments in a timely fashion. When i have called the Bank reprehensive have mostly pleasant but refuse to take off the late payment a second time. I have spent several hours trying to get this issue resolved. PNC wanted to do direct withdraw from my bank account which i have agreed to. But I just sent me a notice my last payment was rejected because the late fee was not included but PNC has not returned my funds.. I am Sueing PNC in district court, I have all the documentation of when mortgage payments were sent and received.
Company Response:
State: PA
Zip: 193XX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: It started back on XX/XX/XXXX, my husband and I were thinking about getting a XXXX he chose PNC because that is where he would cash his checks on XXXX. One week he decided to talk to one of the managers about the line of credit, he then referred him to the person that is in that department, the individual work from home at the time. So my XXXX gave me the information to reach out to that person, and I did. We talked, and I explained to her what we were looking to do. She took our basic information and send us an email, All the documents that she requires we submitted, then after she gather the document, the next step was the credit reports. She called me and seems to be a bit surprised based on the conversation. She said you guys have great credit, and I replied yes, we managed to pay our bills on time. At that moment, she asked what was my occupation, I told her that I'm not working and is on XXXX and that is my income. Soon after she began to ask me a whole slew of questions. I XXXX my XXXX XXXX mortgage six ( XXXX ) years ago, my XXXX pays her own mortgage and lives at a different address. She began to ask for everything that she could think of that had nothing to do with a XXXX. She even collected my XXXX XXXX bank statement, her mortgage and insurance information, her signature, and even her ID. We received a letter that date XX/XX/XXXX saying we are unable to approve your request on the terms that you requested but can approve a lesser amount. The letter even stated the date on which our credit was pulled by XXXX. After she and I already established that our credits were great, now this went on for over ( 2 ) two months back and forth with everything except my blood type. After a while I got sick and asked my XXXX to communicate with her, I send an email to a guy who was supposed to be her manager. He called me after a few days and said that he will have a talk with her to see if she can remove my XXXX XXXX information and look it over to see what can be done. Nothing different happens, so we continue the process. It was XX/XX/XXXX when they decided that we can close and the account was funded on XX/XX/XXXX. What should have been a simple business transaction turn out to be a nightmare, I was tired, exhausted, and literally very regretful that we enter into this deal. Fast forward to some time in early XXXX we made about ( 4 ) four months ' payments when I notice that the payment amount exceed what I calculated that it should be. One day I stopped by one of the local branches and ask to talk to a manager, the manager was very pleasant and agrees to talk to me, I told them everything that transpired before that day and she asked if she can access my account, I told her to go ahead. She then called her customer service personnel and they recognized what happened. When we were approved the banker lady told us that and have us sign that we get the promotional rate for the first six months at XXXX % and thereafter a lock-in rate at XXXX %. That did not happen, from the get-go we were paying only XXXX % and we never get that promotional rate. They discussed what can be done, and I asked them if I can file a complaint. Upon my behave they both filed a dispute. A few weeks went by and they gave us the XXXX % promotional rate, we paid that for only 2 months, XX/XX/XXXX and for XX/XX/XXXX. Sometime after I was contacted by a young lady about the dispute, we talked and she stated that they would be some type of investigation and she will get back to me. A few weeks go by, then another lady called me telling me that she took over the investigation, and after she reviewed my account I was in the wrong for signing the contract and I am responsible for everything, she was very rude and condescending and that was the end of it. After checking our statement I found out that the XXXX % will be ended in XXXX, and our XX/XX/XXXX, payment will be at a 9.71 % interest rate. On that day when I saw that information I went online to see if that was what was going on, right there I had to lock in a rate of 8.50 % which is lower than the 9.71 % which still ended up costing us another {$100.00}. Since XXXX of XXXX, it cost us over {$300.00} to lock and unlock the loan when it was their fault in the beginning. All we are asking for is for someone to look into this issue, and at least give us credit for those fees and a better rate that is more like the 7.29 % that was locked in at the time or something better.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023, I engaged a company called XXXX XXXX XXXX located in XXXX XXXX XXXX to relocate me to XXXX, TX. There was a deposit required in the amount of {$1200.00}. When the deposit was made, I was informed by the companys representative that I had 72 hours to cancel the contract. A few hours later, I was curious about the company. So, I looked up their service reviews and found the comments about their service and business to be horrible especially a review they received on XX/XX/2023. At approximately XXXX. On Saturday XX/XX/XXXX I called XXXX ( the representative ) 4 or 5 times on his cell number and I left him a voicemail to call me about their reviews. Additionally, I typed him a message stating I want to cancel the contract. And, given it had only been a couple of hours since the initiation of the contract, cancellation should not have been an issue. Moreover, I placed a message on the XXXX XXXX page to also cancel this contract. Of fact, is that XXXX repeatedly reassured me that if I wanted to cancel, I can cancel within the XXXX hour timeframe. Subsequently, I called PNC Bank the evening of XX/XX/XXXX and spoke to a customer service representative of the bank. I initiated this action because I wanted to ensure XXXX could not access monies in my checking account. I was assured in no uncertain terms by the representative that no monies would be taken from my account since I had called advising of the cancellation of the contract. However, on XX/XX/XXXX, I learned that PNC had honored a request from XXXX to pay the {$1200.00}. It is of note that at this juncture, I had only {$100.00} in my checking account. PNC arbitrarily accessed my savings account and took the money out of this account without my knowledge and my approval. Their actions placed my checking account in a delinquent status whereby I had to transfer {$1200.00} from my savings account so the account would not be negatively impacted. I initiated a Dispute Action through the bank in an effort to retrieve the money they transferred to XXXX but was advised that there is nothing they can do. And, therefore, I have lost {$1200.00}. I submit PNC Bank should not have honored the request because there were insufficient funds in my checking account. Furthermore, PNC Bank did not have my approval to transfer monies from my savings account to my checking account under any circumstances. To that end, PNC Bank operated in a manner that was prejudicial to my interests and subsequently placed my finances in a compromising position. I am a XXXX XXXX XXXX senior citizen on a fixed income and put my trust in my financial institution. I just want to be whole and I believe if the bank would have honored my request, this action would have never transpired. I feel taken advantage of for being talked into providing a deposit as well as PNC Bank not honoring my request. Thank You.
Company Response:
State: TX
Zip: 75230
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Online platform is old and clunky, the use of XXXX using text is equally outdated. The code to log into my account is either never delivered or delivered 6+ hours later. Being locked out of my own account for almost an entire day and not be able to access it when I need to is not acceptable. Their team must lack the knowledge to tackle the known technical challenge of making XXXX with all phone carriers work properly. PNC should either have solid knowledge of XXXX XXXX to create a stable platform or use a stable product for XXXX such as XXXX authenticator that bypasses the need for text. When I called to address the issue, first I was routed to the wrong department and had me on hold for over 10min to realize this. Then was routed to " online banking '' which is what I had selected in the first place, agent hung up and did not call back.
Company Response:
State: CA
Zip: 941XX
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A