Date Received: 2023-04-02
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I am writing to dispute the debt that PNC Bank is attempting to collect from me, based on the Michigan statute of limitations on debt and 15 USC 1681b. The debt in question is a secured credit card. According to the Michigan statute of limitations on debt, the statute of limitations for the type of debt in question has expired on XX/XX/2022. Therefore, PNC Bank is no longer legally permitted to collect this debt from me. Furthermore, the Fair Credit Reporting Act ( 15 USC 1681b ) states that after seven years, negative items on a credit report must be removed. As the statute of limitations on this debt has expired, your company is not permitted to report this debt to credit bureaus, and any such reporting is in violation of the FCRA. I demand that PNC Bank immediately cease all attempts to collect this debt from me, as it is time-barred by the statute of limitations. I also demand that you remove any negative items related to this debt from my credit report. If I receive any further communication from PNC Bank regarding this matter, or if there is any negative impact on my credit score as a result of your actions, I will take appropriate legal action. I would appreciate a prompt response to this dispute, including confirmation that you will no longer attempt to collect this debt from me and that you will remove any negative items related to this debt from my credit report
Company Response:
State: MI
Zip: 48075
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On XXXX XXXX I had a direct deposit made into my PNC Smartaccess account. On XX/XX/23 I started noticing unauthorized transactions and withdrawals from my account. I noticed some unauthorized transactions starting XX/XX/23 at XXXX XXXX XXXX Bank at the ATM for the amount of {$200.00} Then here 's a bunch more unauthorized transactions and withdrawals done from my account. XX/XX/23 XXXX XXXX. {$31.00} XX/XX/23. XXXX. {$59.00} XX/XX/23 XXXX XXXX {$49.00} XX/XX/23 XXXX XXXX {$120.00} XX/XX/23 XXXX 's. {$100.00} XX/XX/23 XXXX 's. {$31.00} XX/XX/23. XXXX XXXX {$10.00} XX/XX/23. XXXX. {$47.00} XX/XX/23. XXXX. {$400.00}. I let my Uncle and his lady friend come to my motel room to takeca shower. My uncle went to the store and I walked to go get something to eat. It wasn't in till later that night when I went to go sign in for class that I noticed my notebook where I keep every single password, account, routing, passcodes and pins etc was missing. I checked my wallet and my debit card was also missing. I have tried telling this to PNC Smartaccess but they aren't listening. They denied my claim because all of the information was correct. Well it would be correct if the individual had all of my information.
Company Response:
State: TX
Zip: 766XX
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: PNC Bank Credit Card ending in XXXX indicate unauthorized activity Date Amount Merchant Name XX/XX/27 XXXX XXXX XXXX XXXX XXXX XX/XX/27 XXXXXXXX XXXX XXXX XXXX I have not yet received my pnc credit card since the i apply for this account, i have request a replacement card already. and the new replacement card also have been taken by somebody and was able to attempt activities and make transactions on my card. i was not able to get myself protected and reset my account security purposes. and login in or reset my online banking.
Company Response:
State: NY
Zip: 11367
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Hello sir, This is XXXX XXXX XXXX. A friend of my online business friend we have been friends for 3 years so one day I ask him to help me out with money so I can get food and pay my bills becuase I have no job beacuse of my condition. I have not been walking for long year now so he got me a check to deposit on my pnc bank so I deposited not knowing that the check was faking without alaer or other and my pnc account was closed becuase of the mistake. Please I really need help with a new account so I can be able to pay my bills and get food etc. Please sir This is fro m jmy heart nevrwill I take a check from anyone Please I will not make msure mistake again.
Company Response:
State: NJ
Zip: 07601
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: Dear Sir/Madam, This is to inform you of a matter which I experienced with PNC in XXXX Al in XXXX. They have reported me to you which I believe there was no wrong doing on my part. On XX/XX/2022, I went to PNC located in XXXX, Al to deposit a check. I proceeded to go to deposit a check I received from working at XXXX XXXX in XXXX Al. I proceeded to go to the counter and he informed me that he needed my driver 's license before I can deposit the check into my account. I asked him if he remembered me because I came the previous day to open the account, and just because I asked him if he remebered he got vey angry and he said he didn't remembered me. He was person who helped me previously to open the account. I also asked him if I have to present my driver 's license every time I have to deposit a check and he said he said yes. I gave him by driver 's license and he deposited my check and I left PNC Bank in XXXX AL. ( Shortly after this ) The Next day I received by XXXX from PNC Bank Corportate Office in XXXX PA stating that I acted inapproriately and was disrespectful to the teller and I'm no longer welcome back into PNC Bank in XXXX, Al. they went ahead and closed the account and reported me to XXXX XXXX XXXX and demanded me to withdraw all my funds immediately from PNC Bank in XXXX, AL which I did. I went to several banks to open a checking account and the banks declined my request. PNC reported this incident to XXXX XXXX XXXX. I would like the bad report to erase from my name so I can go to other banks and open my checking account. Thank You! XXXX XXXX
Company Response:
State: AL
Zip: 365XX
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: Two charges of {$280.00} were flagged. Got a call selected option that said not authorized/recognized. Waited for rep, and never got one. PNC tells me different things, and I am overdrawn. I can not even dispute at this time.
Company Response:
State: IN
Zip: 46158
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I filed XXXX debit card disputes with PNC on XX/XX/XXXX and XX/XX/XXXX due to issues with merchants not applying refunds/credit not received after cancellation. PNC did not give me a temporary credit to my account for either claim, so I reached out to have it expedited due to family emergency/hardship situation Im dealing with. PNC support does not allow me to speak directly to the disputes department when I call. Even after finding a direct phone number, I was routed to regular customer service as they dont deal with customers. The customer service representatives are not knowledgable about the claims process and cant give any direct updates about the cases- they call over to the disputes department that Im unable to be directly transferred to. The first customer service agent I spoke to informed me the expedite was denied directly by the disputes department after calling over. Customer service agent XXXX also informed me that due to the nature of the dispute being a merchant dispute for a refund not received, it doesnt qualify for a temporary credit at all and it cant be expedited. I was told to wait 45 days for the dispute to be resolved or work it out with the merchant, which is against Regulation E. The regulation requires all financial institutions in the US to provide a temporary credit if the dispute is not resolved within XXXX business days, regardless of the dispute reason, as long as the transaction was made with a debit card its covered. I have sent all of the the required documentation to win these disputes ( email screenshots from the merchants confirming cancellation of order, refund is owed ). PNC needs to issue my temporary credit or resolve this dispute in my favor within the XXXX business day time frame of these claims being opened.
Company Response:
State: AZ
Zip: 85257
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I received a letter from the bank closing my account without any explanation. I called the bank and was not able to get an explanation. This reminds me of the redlining the banks were doing in the 60th and 70th. I tried to contact the management staff included XXXX XXXX, which I am contributing to his XXXX XXXX compensation and was stonewall. All I want to know is why, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If there is a mistake of some sort, it can be corrected if I have the information. Please have someone to communicate the requested information. Thanks.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: PNC Bank held a foreclosure auction on XXXX XXXX XXXX XXXX XXXX, MA on XX/XX/XXXX over a total balance due of approx $ XXXX with approximately $ XXXX past due. This relates to a home equity loan that my late mother took out in XX/XX/XXXX for {$89000.00}. That principal was all repaid years ago with maybe double that amount in interest. But that is neither here nor there. The fact that the much of the past due balance was incurred during a global pandemic where the entire country was shut down for two years is also neither here nor there. What may be here or there is that I didn't find out about the auction until over a week after the fact. I also didn't out about it from PNC ( who to this very day has yet to inform me of the auction ) but I learned about via the winning bidder. Who, BTW, has been extremely empathetic to my situation and is more than happy to walk away from her bid if PNC complies. If I knew about the auction ahead of time, The Mass Homeowners Assistance Fund ( who I have subsequently contacted and who I am now seeking a grant for up to $ XXXX re this matter ) informed me PNC would have stopped the auction from taking place based upon an agreement they have in place with them. I didn't find out about the auction because PNC either ignored or denied a request to have correspondence also sent to my cousin/executor. That request was made years ago ( XXXX I believe ) because of my mental health issues but also because the address they send mail to isn't checked regularly and is a just mailbox near the sidewalk that can easily have its contents stolen. PNC also or ignored or denied my Financial Hardship Application filed last summer that I understood would postpone collection activities for 1 year. I have filed complaints with the MA Attorney General and MA Division of Banks who referred me here as PNC doesn't fall under their jurisdiction. I have also been referred by the HAF to XXXX XXXX XXXX XXXX XXXX organization which I intend to utilize as well. As all they're interested in is their blood money, hopefully one of these groups might compel them to do the ethical thing and wait for the HAF grant to be approved. Or, if that doesn't work out, give me the opportunity to sell off the first floor unit as a condo. Their lien isn't going anywhere and they will get their money without stealing a home that has been in my family for over half a century. Thanks for your time and help! It has been desperately needed and appreciated.
Company Response:
State: MA
Zip: 02472
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Other transaction problem
Subissue:
Consumer Complaint: XX/XX/2023, I requested PNC Bank at XXXX XXXX, XXXX, XXXX to wire {$10000.00} to my brother XXXX XXXX XXXX XXXX XXXX, XXXX Unfortunately bank wired the money twice. The bank wire person called me and indicated, she wired the money twice by mistake and made request right away to recall the duplicate wire. My brother is unable to draw duplicate wire and send it back due to XXXX financial crisis. Now bank is refusing to refund my money which bank wired duplicate funds without my knowledge and authorization. In spite of several requests they are ignoring it. Wire reference and complaint # XXXX XXXX Phone # XXXX XXXX XXXX.
Company Response:
State: OH
Zip: 45414
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A