Date Received: 2023-02-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: XX/XX/XXXX, I was notified that PNC BANK stopped reporting to the credit bureaus which dropped my XXXX XXXX XXXX points. After a year of investigation and 7 dispute letters, PNC Dispute Department stated that they would need the reaffirmation letter regarding my auto loan so that they can continue to start reporting back to the credit bureaus. PNC advised that they didnt have the reaffirmation letter from XXXX on record and thats all they would need to start reporting back to the bureaus. I have been working closely with their dispute department, 2 different associates in the department and they explained that all they would need was the affirmation letter and PNC will then start reporting it back on my credit report. I sent the required documentation in on XXXX. Today, XX/XX/XXXX, I received a letter stating that they arent going to report it back even though my auto loan has always reported to my credit report as a positive, active account - no payment has ever been missed or late. I am demanding this to be reported back to the credit bureaus on my report. I was given false information for a year and provided all necessary documentation. This is unacceptable and this should have never stopped reporting on my account.
Company Response:
State: TN
Zip: 38117
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Greetings My name is XXXX XXXX XXXX On or about XX/XX/2022 PNC Bank opened a business account under my sole signor For co name ; XXXX XXXX XXXX XXXX Acct XXXX There were multiple unauthorized charges to my account for a loan payment and or Line of credit/ credit card from my ex husbands delinquent loan accts which were Charged to my account some appear to be telephone ACH withdrawals In addition most recently i was charged for stop pmt fees and other unknown account fees I am unable to recover the unauthorized ACH debits due to PNC stating that over 60 days any bank stmt containing errors can not be recovered if I understand correctly. In addition there are withdrawals ACH unmarked providing no account to link them to Basically PNC bank has allowed this to continue. Because i do not have check images i am unable to view checks marked as XXXX Dates of unauthorized deductions include XX/XX/2022 unauthorized ACH Telephone Pmt to PNC There are unmarked checks as XXXX on XX/XX/22 for XXXX may be check i wrote XX/XX/22 XXXX - these may be checks i pd to contractors however i am unable to retrieve Check images XX/XX/22 Ch XXXX XXXX again i can not see check images may be a ck i pd but have no manner of seeing check images on my cell phone device XX/XX/22 XXXX for a check printing fee is excessive On dates XX/XX/22-XX/XX/2022 There were a total of 9 checks pd i am unable to view check images on my cell phone device checks paid from my acct total XXXX- I need to ensure these were checks That i paid to contractors or how i can determine the checks were written by me which May be the case but need copies of cancelled check images On XX/XX/2022- i was charged XXXX for check printing bank fees On XX/XX/22- was charged XXXX for an unauthorized ACH telephone pmt to PNC ON XX/XX/22 Was charged XXXX even though stmt says fee for mo maintenance is XXXX On XX/XX/22 i was charged XXXX an unauthorized ACH Telephone pmt to PNC In addition PNC charged me XXXX for the stop pmt fee even when it was an unauthorized ACH and two charges for XXXX not sure where these come from On XX/XX/22- was charged XXXX for bank service charges, again another inconsistent Bank charge On XX/XX/22- Another unauthorized unmarked ACH charge to my account from my XXXX XXXX XXXX XXXX checking acct with no marked account number but it Is an ACH debit with a ghost unmarked pending withdrawal. I need PNC Bank to cease charging me for my ex husbands delinquent debts This is causing stress as i need go in and they keep transferring me to recovery dept When i do not owe anything for XXXX XXXX XXXX XXXX accounts my ex husband XXXX XXXX was a smoke signor for previous XXXX XXXX XXXX XXXX business accts Please help me recover unauthorized ACH initiated from this account without my Consent. In addition PNC needs respond why they continue to do so. Please help me. Thanks in advance for your time and consideration XXXX XXXX XXXX XXXX Email XXXX XXXX
Company Response:
State: TX
Zip: 75043
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I once owned a credit card from PNC Bank and submitted a lost or stolen card claim. The sent me a new card, but the lost or stolen card showed on my credit report for many months. I continued to pay all payments on the new card. I had not received any notification from PNC that I had an outstanding balance on the lost or stolen card. Then in XX/XX/XXXX, I called to inquire why I received a negative report from PNC, only to learn that the old card still had charges of over {$100.00}, which had not been transferred to the new replacement card. I paid what they claimed was owed on the old card then. My credit report for this card shows all payments on time from XX/XX/XXXX until XX/XX/XXXX, when they reported a 30-day late payment that negatively impacted my credit score. I have disputed this claim with credit reporting agencies and tried unsuccessfully to get PNC to remove this late payment they are reporting to all three credit reporting agencies.
Company Response:
State: MN
Zip: 56001
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I deposited a settlement check from my lawyers on XX/XX/XXXX to this account. The bank accepted the deposit, but held the funds for several days, as I would have expected is customary. The bank then released the funds to me by XX/XX/XXXX. My lawyer confirmed the settlement check had been processed and returned to them as cancelled. I accessed my account at PNC for several routine transactions ( withdrawals ) from my debit card normally - several XXXX dollars in XXXX and XXXX of XXXX without issue. I visited their branch ( above ) to access some cash from this account on about XX/XX/XXXX. The tellers were very rude to me and were surreptitiously making copies of my Hawaii state ID card, and claimed that Hawaii is " far away '' and that the ID card is " suspicious ''. It is the same card I have had for many years, since we own a home in both Hawaii and XXXX. It is the same card I used to open the account at PNC several years ago. They have previously been abusive when I present this ID card to them, and I decided that I had been abused enough by them and attempted to transfer {$23000.00} to another account I have at a different bank. PNC then FROZE all my funds in this account as some kind of punishment for arguing with their staff, and have continued to block access to my funds as continued harassment by them. I have a XXXX score of more than XXXX and almost $ XXXX on deposit at XXXX XXXX. I have done NOTHING wrong. PNC is clearly IN THE WRONG.
Company Response:
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Access to my online banking at PNC was revoked without notice on XX/XX/XXXX. I have no way of seeing activity since I am paperless. Apparently it is revoked for up to 30 days. My social security checks were deposited to my account on XX/XX/XXXX. I was advised by branch personnel that the amounts were blocked and could not be withdrawn. It is over {$4000.00}. My account was in credit. I live off social security. No phone calls from the bank. No answers to any calls including from branch personnel.
Company Response:
State: IL
Zip: 61820
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Unemployment funds from mother was being posted to my account. PNC subsequently closed my account and refused to tell me any information regarding the security review. I told them my mother would be able to state both verbally and in writing that she had been receiving her funds and did not have an account which the funds could be deposited to at that time. My mother subsequently got a XXXX XXXX XXXXXXXX card from the unemployment office and all of her future funds were sent there, however, all of my funds were locked in the account and the bank refused to give me any information. Two years has now passed and I looked in the account and all of the money is gone and the bank does not know where it is. It states there was an adjustment made on the XXXX of XXXX and then the account was closed. The balance was over {$4000.00}, so not only were funds of my own stuck in that account, funds from my mothers unemployment were also stuck there. I called the bank and they stated they will call me back in 3-5 days because they dont see where the funds went.
Company Response:
State: MI
Zip: 49519
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I had a 3 month covid Deferment with XXXX, XXXX and XXXX 2020 with BBVA compass bank that was bought last year with pnc bank. I am up to date on payments and no issues at this time. I need copy of my deferment agreement for a second mortgage with XXXX XXXX XXXX. XXXX XXXX XXXX is requesting a copy of my deferment agreement, and I have for three weeks multiple calls to PNC bank that has bought BBVA compass have tried to get this document and they can not located it. I have talked to supervisor, escalated this matter. They simply can not locate it and are not willing to give me any documentation regarding this Deferment agreement other than my statements. XXXXXXXX XXXX XXXX says they need a deferment agreement and PNC is required under federal law to have a copy of it to send me. PNC is they lost a lot of documents during merger they are unable to locate it and unable to generate a new agreement. I really need help getting this document, and on line tons of similar complaints that have gone unresolved, so I am just super confused what to do next. All I need is my deferment agreement from PNC and they can't fine one to send me!
Company Response:
State: AZ
Zip: 852XX
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: Hello, I have filed 3 disputes and a corporate complaint as my phone was hacked and there were fraudulent XXXX transactions equating to almost {$2500.00} on XX/XX/XXXX. I have been given the run around with PNC on different departments and this is still not resolved. I will get my attorney involved as I am looking to get to a resolution and get reimbursed for direct funds from my personal bank account due to the fraud transactions. It has been 3 weeks and this is not resolved and I have been passed to different departments and there is not a resolution. This is completely unacceptable as I had my other business bank accounts hacked and I received the reimbursements back from them. This matter needs attention asap as this was not handled correctly and I am personally out of funds that I did not authorize or make the transactions as my phone and computer were hacked. The dispute department stated that it happened in my location well yes, likely it did as it happened with XXXX and XXXX XXXX as well as my XXXX credit card and XXXX credit card and all of the other institutions have refunded me the money back from the fraud charges except for PNC Bank. I spent countless times on hold and Friday, XX/XX/XXXX I spent 4 hours on the phone with PNC and no resolution as they keep denying my dispute and will not refund me my money back from the fraud XXXX charges. I never used XXXX in my entire life and I was hacked. PNC keeps denying this and will not refund me my money even though this has been fraudulent transactions that were not from me.
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I was using my account normally, I made a deposit via cash & check. All my funds cleared and have been held by for over a month. My account has been frozen and walked into the branch multiple times to just close it and called every number but they've done nothing and at this point I feel like I've been robbed of {$280000.00}.
Company Response:
State: NJ
Zip: 07036
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Firstly, my account has been on Direct Payment AutoDraft using PNC, which is the same company as auto loan. On XX/XX/XXXX I called to get a payoff amount & was also given a 15 day payoff 'till XX/XX/XXXX. On XX/XX/XXXX I called in to submit the payment for the 15 day payoff amount of {$7300.00} & was given a confirmation #. Agent stated up to 10 days after payment processed, a letter of loan satisfaction would be sent. I received a Small Balance Notice that was dated XX/XX/XXXX showing the same amount of {$10.00} for both Principal Bal & Projected Payoff. I then received the loan satisfaction/paid off letter dated XX/XX/XXXX stating in BOLD/CAPS letters " PAID IN FULL ''. It also stated that enclosed was the title, which it was with the lien release date of XX/XX/XXXX. So, after having received these final documents for the loan, we had not heard anything from PNC up until when we received a statement dated XX/XX/XXXX showing Current Due was {$320.00} and Past Due was {$0.00}. I called to see why was I receiving a statement. The agent looked into the account & stated that the account was closed due to what seemed to be a payoff payment that was received in XXXX. She said it does not show any balance. I asked her then why was this statement sent. She said it may just need additional time because that on her end it shows account paid and closed & to not worry about it & If I receive another statement then to call back. So, I spoke to a different agent on XX/XX/XXXX expressing my concerns that I had, after I realized the statement also said " Late Payment, your account has accrued daily interest & may be assessed a late fee. '' She also told me the same thing that the account was paid & closed but couldn't see any additional details because it was closed. She gave me a different # to call where they may further look into why I was sent a statement if account was paid/closed. I called right away. The agent also said account was closed but that there was a past due of XXXX. I asked how and why if account has been paid off according to payoff given and pay off letter showing " Paid in full '' but the agent didn't have any answers for me. Agent said would have someone look into it. On XX/XX/XXXX I spoke to XXXX XXXX. I told him about the conversations I had with other agents and emphasizing that they did show paid off and not to worry about the statements.He stated there was an outstanding balance & that payment didn't go through. I asked him why and he also couldn't give me a reason why. I may be missing some other calls/conversations because as of now, I have 3 different phone numbers and departments we've been transferred or spoken to. So, the main points so far are that I have never missed a payment ( & on autodraft ), I submitted payoff amount, & received the payoff letter and the title with release of lien date XX/XX/XXXX. Therefore, once payment is cleared the company then released title. So, the error was on PNC. Now that the payment has been received again, I am disputing the fact that they reported on all 3 credit reports as account being 60 days late and/or have some type of negative notation & date of delinquency XX/XX/XXXX. As stated, I had not heard anything from PNC until that XXXX statement & their response was to ignore it. I have been calling and calling them to see why and their response has been that they don't show it was reported late. Some of the calls were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. On XX/XX/XXXX agent said she sees the complaint we opened but that XXXX closed it. She said she'd reopen & escalate it. On XX/XX/XXXX agent stated that it was no action nor any notes about reopening or escalating. That I would have to call that department again to request escalation. On XX/XX/XXXX is when heard back from someone in the escalation dept. With both XXXX & XXXX there's been days it's hard to get a hold of them. Seems like they are not putting enough priority. I had stated to them how we have been approved for a mortgage loan and this made my score drop by 40-60 points. In turn, this will greatly/negatively affect the already hard process of buying a home.
Company Response:
State: TX
Zip: 76017
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A