Date Received: 2023-03-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had an account with PNC bank for a credit card. The card held a balance and I made consistent payments for almost 5 years. I then moved in XXXX of 2022 and called PNC bank to provide new mailing address. In XXXX my online access to the PNC was locked for reasons unknown. I was also on autopay with the PNC which was cancelled, when the online access was cancelled. This led to the card being late due to the autopay being cancelled and I was not receiving statements or a notice about the late payments due to them not updating my address months prior when I called up. Eventually, I found out when the late was reported to the credit report. I called up and they apologized profusely and updated my address, reinstated online access, and took my payment. I then said as this was their fault for lack of notice, cancelling autopay, preventing me from doing a payment, and not updating the address. They said I needed to mail in a request for an investigation. I have sent THREE letters to the information provided to me in 3 different month for a review. I have not received a review or a reply to any of the letters. As a consumer I have a right for the review and to know the result of the investigation. They have not done that despite numerous in writing request and it is likely I am not the only one and their system and procedure should be investigated by you, the CFPB.
Company Response:
State: NJ
Zip: 07740
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX my account was closed and funds were debited but not under XXXX guidelines Ownership of funds policy STATES THE PRIMARY CARD HOLDER IS THE SOUL OWNER OF ANY AND ALL FUNDS DEPOSITED. After my investigation my account was deemed NONE FRAUDULENT and closed out with no reason only that PNC does not want to do business with me .... FAST FORWARD THE FUNDS ARE GONE, they have been sent back to the originator but not under federal guidelines a ach reversal can only be done within 5 days and under r17 can be returned up to 60 days it had been 3 years and I had no wrong doing. The Funds are gone and no one knows where.
Company Response:
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, PNC not only froze our account, but we believe that PNC unlawfully removed money from our joint account. This all stems from our daughters account ( in which my spouse was a co-signer seven years prior, as she was a XXXX at the time and needed to deposit work checks ). She was recently a victim of identity fraud via XXXX, and PNC not only did nothing to help her ( despite all evidence and EVEN VIDEO CHATS WITH THE FRAUDER ). What did PNC DO? Well, they RAIDED the JOINT ACCOUNT HOLDER 'S OTHER ACCOUNT ( which has a completely different partner on that account and without permission ) to FREEZE AND DRAIN OUR FUNDS ). They claimed Right of Offset to raid our account and take our money to fund arrears. At this point in the process, this goes beyond PNCs so-called Right of Offset. I spent HOURS trying to find this clause on our account agreement and their website. NOTHING. IT IS NOT ON EITHER. In fact, the branch manager that I met with couldn't ' even find it! She had to find a policy on her hard drive and after printing 64 pages, she couldn't even find it. I HAVE THIS ALL ON RECORDING. After more than 25 years of banking with PNC, Weve been astounded at the lack of contact, resolve, care, ethics, and professionalism displayed. Since XX/XX/XXXX, we've been contacting them via phone, email, and even face-to-face at the local branch. We have yet to hear anything. Our account is still frozen and no access to our account/money. This account freeze left us with undue hardship and PNC put my spouse 's safety at risk due to travel 5 days a week for work without money. PNC left us without money for food, gas, and the ability to pay bills. This is unfounded -- especially in this current economic condition! I met with a branch manager on XX/XX/XXXX and had a full letter with account of the situation. The letter was never read. Instead, I had to ask for an escalated investigation and she said that she would go ahead and escalated it and someone would be in touch. I haven't heard a thing. I reached back out via email on Friday, XX/XX/XXXX to get a status updated ( she said to email her anytime ), and I still haven't heard back. We finally had to do our best to find the name and email of a PNC executive involved in customer care. Sent an email on Friday, XX/XX/XXXX, and still haven't heard from anyone. In the meantime, We are at a loss. In reading the complaints about XXXX -- - a system CREATED, PROMOTED, AND PROFITED on by the banks themselves, we see that billions have been stolen from accounts. But to RAID A JOINT ACCOUNT WITH ANOTHER PERSON 'S NAME ON IT ( WHO IS UNRELATED TO THE ORIGINAL FRAUDED ACCOUNT ) IS UNFOUNDED!!!!!!!!!!!! At this point, legal action may be the only way to receive resolution. We are also going to meet with our Senator on XX/XX/XXXX. We've filed a police report as well, as we believe this is theft. I am attached TWO letters : The first dated XX/XX/XXXX for a 1:1 meeting with the assistant bank manager that was never read, but handed back to me and supposed to be directed toward the " escalated '' complaint once they reached out. Second dated XX/XX/XXXX to the PNC VP in XXXX, NC who handled Retail Accounts and XXXX XXXX.
Company Response:
State: SC
Zip: 29708
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Car was sold in XXXX to XXXX. I no longer had the car in my possession XXXX had the title and I signed the car over to them. It was no longer my responsibility for that car. Long story short Ive gotten two late remarks on my profile for XXXX and XXXX. When I no longer had the car at all. Ive told PNC Bank the issue and they said it was a error on their end. So I asked them what I should do they told me to send a letter to head quarters. Ive done that numerous times and never got a response. So now Im here sending a complaint because they refuse to fix the issue and its very stressful.
Company Response:
State: MD
Zip: 21236
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Dear Consumer Affairs, I recently obtained a copy of my credit report and discovered that there is a PNC account listed that does not belong to me. Additionally, there are several inquiries listed that I did not authorize or have any knowledge of. Attached to this letter, please find a copy of my credit report as well as a cover letter with the inquiries listed. As you can see, the PNC account and the inquiries do not match my personal information or credit history. I have taken immediate action to dispute these errors with PNC and the credit bureaus, but I also wanted to bring this to your attention for further investigation. I have always been diligent about monitoring my credit and ensuring that my credit report is accurate, and I am concerned about the potential impact that these errors may have on my creditworthiness. i also have some lates in santander account that was agreed to reverse by creditor. I request that you investigate this matter and work with the credit bureaus to have these errors corrected as soon as possible. Additionally, I would appreciate any assistance you can provide in identifying how this erroneous information was added to my credit report and preventing it from happening again in the future. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: PNC Mortgage extended me three months of forbearance on their own and also under the CARES Act of 2020, during the COVID-19 lockdowns, for XXXX, XXXX, and XXXX of 2020. Even though they promised not to report this forbearance as delinquency, and even though their doing so is supposed to be illegal, they reported the payments as delinquent, negatively affecting my credit report and score. I made the proper request of PNC. Ive tried to get them to fix this. I filed a dispute with XXXX, but PNC wont budge. This is illegal and immoral. They promised they would not do exactly this, and theyve been evil about it.
Company Response:
State: IL
Zip: 60660
Submitted Via: Web
Date Sent: 2023-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX, XXXXXXXX XXXXXXXX transactions were falsely made without my permission or control using pnc bank this had caused me to owe them an ureasonable amount of debt of XXXX that has been sold to a 3rd party
Company Response:
State: IN
Zip: 46268
Submitted Via: Web
Date Sent: 2023-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: We chose to enroll in the mortgage forbearance program at the start of XXXX with both our mortgage and Heloc. Once the forbearance period was over we were asked to fill out a packet to restart payments. Our Heloc paperwork completion to repayment phase with XXXX took less then 60 days. Our main mortgage loan was sold to PNC right about the time our repayments were starting. We were asked to fill out the same information for PNC to restart mortgage payments. Our packet was determined complete on a voice recorded line and PNC stated no other information was needed and that they would contact us in 30 days with information on how to make our payments. It turns out PNC needed information from us and claimed they called but there was no email, letter in the mail or voicemail letting us know our packet was now determined incomplete. Because PNC was unable to reach us they placed us in an active foreclosure state. Now that we are in an active foreclosure state they have been emailing, calling, and leaving voicemails but were unable to before? The way in which PNC contacts us is very inconsistent. PNC then reported us to the credit bureau and stated we did not pay for XXXX months including the entire forbearance timeframe. The forbearance timeframe which was provided by the federal government during a National state of emergency for XXXX. We have been trying to begin payments since XXXX of XXXX. Every time we go through this process our packet is considered complete within the first week and then just days before the 30 day deadline more information is requested. For example PNC stated we would be able to move forward with payments on XX/XX/XXXX. PNC sent a letter in the mail ( did not call or email ) requesting more documents on XXXX XXXX which wouldnt have been received until after the 30 day timeline. This is the third time we have experienced this from PNC. PNC has shown a pattern of making it impossible for us to reinstate our loan. We want this resolved with our original term and rate when the loan was bought which was XXXX XXXX over 30 years. A rush was recently put on our completed application since our application has been completed XXXX times with no decision brought to us on how to move forward with payments. It was stated that the decision would be brought to us ( the homeowners ) between business day XXXX to XXXX. XX/XX/XXXX was the seventh business day and PNC had no answers for us. PNC stated on the day they should have given us a repayment plan that the credit analyst has not been able to reach the investor. The investor ( XXXX ) is not responding to them yet we had our Heloc in the repayment phase in less then 60 days with the bank XXXX. We continue to do everything in our power to pay our loan. The ball is in PNCs court once again and nothing is moving forward at our expense. We recently received another increase in interest on our Heloc due to the report PNC made on our credit. During this process we are unable to pay our mortgage because of PNC, our credit is continuing to go down and our interest go up. This is unethical and professional malpractice. This prolonged process is literally ruining our lives with bad credit, and increasing our Heloc to over double what it originally was while being threatening by PNC to loose our house to foreclosure. This is also affecting our health by worrying about loosing our house that we have the money to pay for but are being forced into foreclosure. There is no action plan or timeline that PNC is held accountable for. We feel as though this is professional malpractice and will be filing more complaints, hiring a lawyer, and contacting the local news station. Please reinstate our original loan out of forbearance and into repayment.
Company Response:
State: CA
Zip: 94550
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I received a letter dated XX/XX/XXXX From PNC Bank, stating my loan was paid off in full, and that " the state agency will either forward a lien free paper title to the address listed above or to the address the state has on record '' it has been 3 months, and I haven't received my paper title. I called today XX/XX/XXXX around XXXX XXXX. They stated that they already released the loan lien and I can go get my own paper copy from my DMV. Um, no. The letter states you are authorizing the DMV to send me a paper copy, which by law I am entitled to. The bank refused to send me my title when I called.
Company Response:
State: SC
Zip: 29036
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: There were several fraudulent transactions made on my card. I did not notice these transactions because this is not my primary card I never use it because I use my actual bank account, also I did not have transaction alerts set up on this account. Once I noticed, I reached out to the bank to file the dispute and the bank denied it. I have since filed a police report so that I can have this investigated thoroughly. Here is a list of all the transactions that were not authorized by myself. When I initially filed the dispute they failed to include all the fraudulent transactions, so I had to file another dispute for those remaining transactions as well as re-dispute the original dispute due to it being denied. I am willing to provide my police report if needed as well as a copy of the denial letter from PNC bank once I receive it. Transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: KY
Zip: 40215
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A