PNC Bank, National Association Corporate

Complaint ID: 6321888

Product: Checking or savings account

Sub-Product: Checking account

Issue: Opening an account

Subissue: Account opened as a result of fraud

Company: PNC Bank N.A.

Complaint: I was going to open a new checking account with PNC bank, they found out my SSN is on use of somebody else,, different name completely

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 6321823

Product: Mortgage

Sub-Product: Home equity loan or line of credit (HELOC)

Issue: Applying for a mortgage or refinancing an existing mortgage

Subissue:

Company: PNC Bank N.A.

Complaint: On or around XX/XX/XXXX I went to the local PNC branch ( XXXX XXXX zip code XXXX ) to sign docs for a HELOC. During the signing process the loan representative noticed a minor error which she assured me would be corrected. The error was in reference to withdrawing the money entirely to the checking account I was also opening that day. Nevertheless, I had no plans to immediately withdraw the loan in part bc the package offered by PNC allowed me to have the money locked ( although with a variable rate ) until I was ready to use it, paying only an annual fee of {$50.00}. Much to my surprise however, in XXXX I received an statement with a monthly payment and loan interest to be paid- the funds had automatically being moved into the checking account. In other words the matter noticed during closing was not corrected. I called the local branch to no avail as the branch does not regularly answers the phone. I proceeded to call XXXX housed at PNC in PA who worked on the loan approval and docs submission with me. XXXX stated the system showed I signed the doc to have the money withdraw automatically and no correction of such in the system. She submitted a complaint on my behalf and guided me on returning the money from the checking back into the HELOC account ( process was a bit difficult requiring two transfers etc ) and we both assumed everything would be resolved. The bank system however charged the loan amount and interest from my check account regardless, leaving it with less than {$500.00}, which is the minimum required not to pay fees for low checking account funds loan. As if this error was not enough, the system generated a XXXX statement requiring payment of an additional interest. The local branch does not answer the phone ( I wanted to reach out to a manager or the two ladies present at closing ), with that I spoke with the general XXXX for PNC on XX/XX/XXXX, a case was created and I was told to wait for a case manager to contact me. This however is yet to happen. Meanwhile, I continued to try to reach the local branch. Yesterday, XX/XX/XXXX in one of my numerous attempts a branch staff answered and assured me, XXXX, the local branch representative present at the closing, would return my call once she arrived at the branch. The call never occurred. I have attempted to contact the local branch again this morning to no avail. I would gladly close this loan and attempt to work with a more reliable and customer focused bank loan as this aggravation is not worth my time and money. However I would incur a penalty of over {$1000.00} for closing the loan. In other other words, PNC makes a mistake, it is not swift in correcting, makes it difficult to have the matter resolved and while in this convoluted process continues to benefit from having the loan amount which was not withdrawn plus the interest it continues to charge me. Leaving me with no recurse, but to file an oversight report. A prompt resolution to this matter would be greatly appreciated XXXX

Company Response: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 6321737

Product: Mortgage

Sub-Product: FHA mortgage

Issue: Struggling to pay mortgage

Subissue:

Company: PNC Bank N.A.

Complaint: PNC Tried to foreclose on my home when it was time barred and they should not have been able to do this - they will not answer the question of what months my loan was in default - this cost me {$36000.00} and they are adding additional legal fees on my account when I should not have to pay any of this they said my loan became default in XXXX of XXXX because a payment was made in XX/XX/XXXX my loan was in default - you said the default on that started XX/XX/XXXX PNC -stated because I made a payment it was not longer in default - Texas and Federal Law The statute of limitations on debt in Texas is four years. This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. But wasn't it in default prior to that? on XX/XX/XXXX was my loan in default? did my loan go into foreclosure in or around XX/XX/XXXX - The time Barred would have started when it first went into foreclosure in XX/XX/XXXX Isn't that correct. I want to know the following In XXXX was my loan in default? - and if it was would that not have started the time bar for the statue of limitations. Then on a call with PNC I was told my first payment was not till XX/XX/XXXX - XXXX am sure the call was recorded - then it changed to my first payment was XX/XX/XXXX They sent me a statement that said nothing was owe in XX/XX/XXXX I am not asking attorney questions I am simply asking was my loan in default in XXXX what months in XXXX was my loan in default and what removed it from default Was my loan in default in XXXX - what months and what removed it from default was my loan in default in XXXX - what months and what removed it from default Easy - XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX - was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX - was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XXXX XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX - was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default The loan was in default in XX/XX/XXXX and that is when the time barr started - I have the right to ask this question- I don't have to have an attorney ask it -- This loan did have time barrs start on it - when did the time XXXX start - stop and restart - etc... Was a time XXXX started in XXXX? and if so why did it end Was a time XXXX started in XXXX - and if so why did it end

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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