PNC Bank, National Association

1. Complaint Product: Checking or savings account
Complaint Product: Checking or savings account

Complaint Issue: Managing an account

Complaint Product: Checking or savings account

Consumer's Complaint: I had an incorrect ACH withdrawal made from XXXX on my PNC checking account. I spoke with XXXX and they gave me my options for addressing the situation. There were several, but the fastest one involved my contacting my financial institution ( PNC ) to resolve the problem through the Automatic Clearing House procedures. They told me to specificall ask to " unauthorize the charge ''. Then they placed a forbearance to allow time to resolve the incorrect charges.This call took approximately 25 minutes. Next I called PNC to take care of this. I started with customer service and explained my request. First she stated that this was completely impossible, and that only the charger could unauthorize. That they could do so, but I would need to have them on the line. After that, I asked for the department to call directly so I could have XXXX do that. Approximate call time 30 minutes. I called XXXX, and I waited again on the line for XXXX. I spoke with a supervisor regarding the banks request. XXXX said they had heard many things from banks but this was a new one. THey passed me up to a supervisor.The XXXX supervisor told me that Federal ACH regulations allow consumers to unauthorize an incorrect charge within 60 days of charge being made, and that I should call back my institution XXXX time about 15 minutes. I called back PNC. I explained what I was trying to accomplish. THe agent said she spoke to her supervisor and the ACH department. They explained I could put a " stop funds '' request, but that since it was not 3 days prior to the charge that it would most likely not work. They said then after 2 business days I could request a refund and dispute the charge. I mentioned the regulations and asked her to speak again to her supervisors and they again said that whoever I spoke to did not know anything about banks and who was XXXX anyway! After another call to the supervisor at XXXX, where the supervisor gave me the error code and affirmed their ability to unauthorize and ach I tried one more time to PNC with no result. So I have now spent four hours on the phone today. I would like to report PNC for failing to follow Nathional ACH regulations ( at least as I understand them. ) The people I spoke to at PNC were, XXXX XXXX, XXXX?, with supervisor of XXXX XXXX, and a XXXX who they said worked with ACH transactions. My contact info XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX email XXXX XXXX

State: OH

Consumer Disputed Resolution: N/A

Company Response to Complaint: Closed with explanation

2. Complaint Product: Mortgage
Complaint Product: Mortgage

Complaint Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint Product: Mortgage

Consumer's Complaint:

State: PA

Consumer Disputed Resolution: N/A

Company Response to Complaint: Closed with explanation

3. Complaint Product: Vehicle loan or lease
Complaint Product: Vehicle loan or lease

Complaint Issue: Managing the loan or lease

Complaint Product: Vehicle loan or lease

Consumer's Complaint: i made my XX/XX/2019 payment onXX/XX/2019 at there branch and the check for XXXX which included an extra {$110.00} as my payment is {$380.00} said check cleared my bank the same day.today i received a call tell me i had not made my payment and that it was 2 weeks past due please note my payment is due on the XXXX even if i had not made the payment it would not have been two weeks late today. when i explained that to the very rude PNC rep that called me she then got even nastier and said if i wanted it fixed i would have to hold for 30 or more minutes. i told her to go to XXXX and demanded that she put her supervisor on the phone as they were wasting my time with there mistakes. she refused to do so. this is the 4th time that PNC bank has messed up my paments. I am always very clear when i make my payment and request that any and all over payments be applied to the outstanding balance on my load. I have an XXXX credit score and a perfect beacon score so there are really stressing me out with all of these errors on a simple car loan.

State: FL

Consumer Disputed Resolution: N/A

Company Response to Complaint: Closed with explanation