Date Received: 2023-01-23
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: On XX/XX/22 I put in a complaint with CFPB reference number XXXX. I heard back from a representative at PNC who stated that as a one time courtesy they would put my mortgage back on my credit report. This has not happened yet. I would like for PNC to put it back because it was unfairly taken off per my previous complaint.
Company Response: Company believes the complaint is the result of a misunderstanding
State: PA
Zip: 19124
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XX/XX/23 I was notified that PNC Bank was questioning {$8400.00} check clearing my account. I called the customer service dept. immediately as directed. This was a fraudulent check that PNC let clear my account EVEN THOUGH THE NAME ON THE CHECK WAS NOT AN AUTHORIZED SIGNER ON THE ACCOUNT. This started XXXX days of misinformation given by both their customer service department and their account takeover department. I had to close the old account, open new account, set up auto credits and debits, buy new checks and notify outstanding check recipient 's of the problem. First I was told by XXXX in customer service that I didn't have to do anything, the money would go back into my account. After thinking about it that didn't sound right which prompted XXXX other calls, XXXX of which gave misinformation, and finally being directed to the account take over department. There, I spent a total of XXXX hours and XXXX minutes on hold XXXX different times getting more misinformation. XXXX told me that all checks would clear, but I would have to call in each time I saw XXXX in the old account and release it. WRONG! That's not what happens. Any outstanding checks bounce! Which caused XXXX of the people I wrote checks to to accrue charges of {$25.00} each from their banks for a returned check. THEN, the money I transferred over from the old to the new account bounced back. After speaking to Account Takeover Dept again was told that the original person that transferred the money missed a step so the money went back. Imagine if checks had been written on the new account-more bounced checks. I have names, dates, times, hold times, everything documented. This whole thing was a nightmare that didn't have to happen if PNC had not let a check clear written my someone not on the original account. I'm out the cost of new checks and XXXX {$25.00} bounced checks that I had to cover. Not to mention a total of XXXX hours and XXXX minutes spent on the phone with XXXX from PNC.
Company Response:
State: GA
Zip: 31605
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XX/XX/2022 I wrote a check to renew a subscription for XXXX XXXX in the amount of {$42.00}. I did not find out until XX/XX/2022 that the check was " washed '' for {$9400.00} when I received my statement. The bank informed me that my account was over drawn. I went to the bank and talked to, XXXX XXXX and XXXX. They closed my old account and set up new account and told me it would take 120 days to investigate. They have not put anything in writing. They did close my checking account and open up a new account and gave me starter checks but I had to buy new checks because my bank account was over drawn and closed. They did not help in any way, shape, manner or form in resetting auto pays for my healthcare. Meanwhile I have had checks bounce because of the bank 's error and not keeping me informed of my account of what is being deposited into new or old account. My social security has not yet been transferred to new account for auto deposit. My XXXX XXXX is spiraling and I have never had a bad XXXX XXXX. The bank has said they are investigating but they have not given me any updates other than the case is still under investigation. The bank has not given me a written statement that it will take 120 days before I can get XXXX money back that was stolen or fraudulently taken by this check washing. The check of {$9400.00} was rewritten to : XXXX XXXX and cashed at a XXXX XXXX XXXX. They showed me the check that was changed from {$42.00}. When I ask them when will I get my money back they tell me they do not know and I will know before they do? Meanwhile I have deposited {$7000.00} plus more money into my new checking account and replaced a few checks that were returned to the bank because the account was over drawn. I need to know when this money will be refunded. PNC Bank should not be holding my money XXXX due to their incompetence.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On XX/XX/2023, I called PNC XXXX department to make a contribution to my XXXX of {$250.00}. At that time, the representative told me that my contribution should be added to my account in 3-4 days. After almost two weeks, the money wasn't taken out of my checkings. Today I called to see why it hadn't been contributed. They asked me if I had a job. I told them that it was none of their business. They said they had to ask me that and informed me that I couldn't make a contribution to my XXXX unless I was employed. They should have told me that on XX/XX/XXXX. I don't know if you handle another type of complaint or not, but at the time of me openings the XXXX with PNC, I received no opening paperwork and had to list a beneficiary. When I asked my branch manager who my beneficiary was, at a later date, she listed 3 incorrect people.
Company Response:
State: OH
Zip: 44221
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I first started getting hit with hidden fees then the tap option havent worked on my card in months and this is a replacement card. My phone was turned off because of my card tap option not working for 2 days.
Company Response:
State: IL
Zip: 60409
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-22
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Following banks have all refused me opening an account, citing consumer report and credit report as reason. PNC, XXXX XXXX, XXXX AND XXXX. CURRENT bank labeled me a liar by refusing to honor a legitimate dispute of unauthorized charges to my virtual card on my checking account and closed me out without my being able to discuss the problem which is internal of the bank itself. I understand but fail to agree with their reasoning. Yes I messed up with some financial stuff, but am I doomed to NOT having a safe place for my Social Security and Pension funds ( $ 3600 monthly ) to be deposited. I do not trust online banking and feel I should be given a chance to prove myself, rather than a flat denial of services.
Company Response:
State: VA
Zip: 23504
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I called in early XX/XX/2022 to request help with the extremely high interest rate of 29 % that we are being charged. They said they couldnt lower it.
Company Response:
State: WA
Zip: 985XX
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I closed on a HELOC with PNC Bank. As part of the terms of the loan, PNC required that I use a portion of the funds to pay off a XXXX credit card to reduce my debt to income ratio. I agreed. During closing, I provided information for PNC to pay XXXX directly. I was told I was not allowed to receive the funds myself and then pay it off, they needed to send the check. After the closing, PNC sent a check to XXXX, which was confirmed received. XXXX credited my account for the amount of my credit card bill, which was just shy of {$20000.00}. Three days later, XXXX reversed the payment stating that PNC had refused to pay the check. The same check PNC issued. I have been attempting to resolve this issue with PNC for weeks. I get nothing but the run around and people saying it's not their department. Meanwhile, PNC is currently charging me interest on that same {$20000.00}. They have not, and they refuse to, reverse the payment. They are billing me for using the money that has not been, nor can it be, used. I was also charged a fee from XXXX for having a returned check.
Company Response:
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I was involved in a car accident and my car was totaled. My insurance company tried to pay off the loan with PNC Bank 3 different times and each time PNC Bank sent their check back. This happend over a period of 3 months. PNC did not try to resolve the matter with my insurance company and instead sent my account to collections. I have read that this same complaint has happened to XXXX XXXX of other PNC customers. I am submiting this because my credit rating, that has been in the mid XXXXXXXX XXXX for XXXX years was damaging by PNC by their negligence and dropped by up to XXXX points. I called PNC Bank and they are admitting no fault on their side and not willing to fix my credit report. Please call if you have any questions. I have submitted the email thread as an attachment. I'm reachable at XXXX.
Company Response:
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have not heard anything further from PNC. The initial reply was incomplete and I replied on XX/XX/22 with an explanation as to why. I replied to the Executive Office and nothing. I wish for the CFBP to be more proactive and help me get this handled. Original complaint - XXXX This is terrible service from all.
Company Response:
State: CA
Zip: 92377
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A