Date Received: 2022-12-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I reached out to PNC multiple times regarding this dispute that I did not do. My dispute was not properly investigated I also went into the branch multiple times and called over the phone. I also called over the phone and filed multiple disputes. . I I believe that this was part of a data breach which caused my credit score to drop over charges that wasnt properly investigated.
Company Response:
State: TX
Zip: 75217
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XXXX XXXX XXXX XXXX, TN XXXX XXXX XX/XX/2022 PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX ; XXXX On XX/XX/2022, I made several purchase one being in the amount of {$240.00} from XXXX. On XX/XX/2022 all purchase made for or on XX/XX/2022 had posted to my PNC bank account resulting in my account balance being {$28.00}. On XX/XX/2022, I received two notification from PNC bank stating that my account balance was below its amount and my account balance was at {$18.00} than I received another notification from PNC bank stating my account new balance is {$270.00}. When I accessed my account from my desktop I noticed now the amount for {$240.00} was nowhere to be found and when I used the feature offered by PNC bank to locate the amount and date, the PNC account told me the amount was nowhere to be found. Than on XXXX XXXX I was notified my account was - {$220.00}. Upon review of my account I noticed that another merchant had taken out XXXX and my PNC account had been re-debited again for the amount of {$240.00} from XXXX merchant on the same day. I immediately reached out to PNC bank the morning of XX/XX/2022, spoke to a representative who told me they would escalate the call to a supervisor. On the evening of XX/XX/2022 I spoke with a supervisor who told me that the XXXX merchant had withheld the funds and thats why they posted on the XXXX instead of earlier in the week. She also told me that my account was set-up for overdraft protection. Which is why another merchant was able to take the funds out of my account. Last, the supervisor insisted that another merchants payment was the reason my account was overdrawn. I explained to the supervisor that, this was not true as I saw the posted payment for XXXX in the amount of {$240.00} on my account on the XXXX along with other purchased made on the same date of the XXXX. I also explained that I had never had this issue with this particular merchant before. The supervisor insisted that the reason my account was overdrawn was due to insufficient funds for XXXX XXXX XXXX merchant in the amount of {$250.00}. I explained to the supervisor that this was an error on the bank and that I disagreed with what she was saying as I took photos of my account, because I knew an error had been made. The supervisor told me that I would accrual overdraft fees after the third day if I was unable to pay the XXXX XXXX in full. I told her that was impossible given I get paid bi- weekly and why was I being held accountable for a bank error. Upon disconnecting the call I received multiple messages from PNC bank stating that my account was over drawn due to the merchant XXXX in the amount of {$240.00}. I am seeking restitution for this error on the banks end. I would like all fees and the account to be XXXX so, that I may discontinue my services with PNC Bank.
Company Response:
State: TN
Zip: 373XX
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I started the process XXXX months before and it took them that long to get me my loan. I had to provide information XXXX or XXXX times. They ran my credit XXXX times. I did not receive any documentation during this process. Did not receive any disclosures or anything in writing about my loan. I had to provide paystubs, income tax returns and insurance information XXXX times because they lost it. I feel like they took forever to do anything and if I didn't call to find out the status they would have never called me. I feel like they violated my rights as a consumer. I did not receive any information before I went to closing about interest rates, items that they were paying off and the fees that were to be applied to this loan. I believe that they violated laws. I started this process in XXXX and did not close on my loan until XX/XX/2022. I did not receive any agreements or disclosures before I went to closing. This was a very stressful process.
Company Response:
State: MD
Zip: 20646
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX. I received an unsolicited call from someone named XXXX, who identified herself as a loan XXXX at PNC Bank, and asked me about the PNC HELOC that I had opened with the bank last year in XX/XX/XXXX. I told her I didn't have any questions, and ended the call. See attached .png file showing that I received an ( unsolicited ) call from XXXX XXXX XX/XX/XXXX. A few days later, on XX/XX/XXXX, I received the attached letter in the mail, stating that I was eligible to " Enjoy 2 % off your contract Annual Percentage ( APR ) for 6 months ending XX/XX/XXXX. '' See attached PDF of the XX/XX/XXXX letter ( with sample checks and my handwritten notes ). On XX/XX/XXXX, I called XXXX back, and she confirmed that I was eligible for the 2 % discount, and that my current rate was 6.79 % ( Prime - 0.21 % margin ). During that 7 minute call, XXXX explained that after my discount, my effective APR would be 4.79 % as per the terms of the letter I received. See attached call record with XXXX on XX/XX/XXXX. That same day, on XX/XX/XXXX, I XXXX down on my PNC HELOC line of credit in the amount of {$100000.00}, by depositing one of the checks attached to the 2 % offer ( check # XXXX ) into my XXXX Bank checking account ( XXXX ). On XX/XX/XXXX, I received ANOTHER letter from PNC, in the form of am email at XXXX am, reiterating the 2 % discount on my HELOC. The letters states : " This 2.0 % discount is automatically applied to your PNC Choice Home Equity Line of Credit account ending in XXXX. '' See attached PDF of XX/XX/XXXX email with 2 % discount. On XX/XX/XXXX, I logged into my PNC account, and noticed that the rate being charged on my HELOC was still 6.79 %, not the 4.79 % rate that should have been applied after the discount, and according to the rated promised by the letters. I called back XXXX and told her that the rate on my account was incorrect, and she transferred my call to XXXX XXXX in the loan servicing department. I then spoke to XXXX XXXX, who explained that she had NO RECORD OF THE 2 % DISCOUNT GOING OUT, and that I was being charged the higher rate of 6.79 %. I explained that I had the letter and offered to send it to her. She said that she could not receive emails, but that I could send a copy of my letter to a general customer service email account at " XXXX '', which I did. See attached record of call with XXXX on XX/XX/XXXX and email to the customer service email account. Later on XX/XX/XXXX, I received a call from someone named XXXX, who said that SHE DID NOT HAVE ANY RECORD OF MY CORRESPONDENCE OR THE 2 % OFFER LETTER. She then gave me a reference # XXXX, and asked me to email the 2 % offer letter to another email address ( XXXX ), which I did. See attached XXXX letter to XXXX at the email address provided. XXXX promised to look into this and call me back. She has not done so. In the meantime, my HELOC continues to show the wrong rate ( 6.79 % as opposed to 4.79 % ), and to accrue interest at the higher per diem ( {$18.00} ) instead of the correct per diem ( {$13.00} ). I have accrued over {$200.00} in interest charges at the erroneous rate over the last 11 days, with no indication that this will stop. None of my attempts to resolve this with three different people in the bank ( including the loan officer who initially solicited the loan ) have been successful. Instead, the bank has denied sending me the 2 % letter. Please help!
Company Response:
State: CA
Zip: 91030
Submitted Via: Web
Date Sent: 2022-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: PNC Bank is still showing me as a joint member of an account I was removed from months ago. This action has destroyed my credit score from a XXXX to a XXXX, I have attempted to go into PNC to fix this issue and the inaccurate information appearing on my credit report. The account belongs to my former spouse.
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2022, PNC Merchant Services charged my checking account {$140.00} for a lease of merchant services equipment that was returned back to PNC Merchant Services on XX/XX/2022. The lease for the equipment was expired and equipment was returned properly. The charge for the equipment lease for XX/XX/2022. When calling PNC, PNC would not allow the transaction to be disputed because it was internal PNC matter. However, PNC noted that the equipment was returned and the lease was fully terminated. PNC stated that the transaction can not be reversed due to it being an ACH transaction being paid to PNC. PNC also allowed the transaction to occur even though the amount of the transaction brought the account to a negative balance. Under agreement, PNC should have returned the transaction instead of letting it process. In addition to being charged the lease amount, PNC also charged {$36.00} for insufficient funds for a transaction that should have happened.
Company Response:
State: TX
Zip: 77009
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-24
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On XXXX XX/XX/2022, I visited the PNC branch in XXXX, Virginia, then met with a branch banker for the purpose of ordering an international wire transfer. These funds in the amount of {$220000.00} were to be transferred from my PNC checking account and into a bank account in XXXX for the purposes of renovating a small home that we purchased for my wife 's parents to live. The branch banker and other bank representatives were very friendly and helpful. I sat with the branch banker and we performed the process together and I received confirmation that the international wire transfer was sent on XXXX XX/XX/2022 at approximately XXXX. I was also told that it would take XXXX days for the funds to arrive at their destination. It is now the XXXX of XX/XX/2022 ( XXXX days later ) and the funds have still not arrived and nobody can tell me where the funds are. Last I heard was that funds were sitting at an intermediary bank ( XXXX XXXX XXXX ). I called the receiving bank and they have informed me that XXXX XXXX XXXX is not a bank that they deal with. Meanwhile, PNC, although very polite every time I call then, has not been able to explain what has happened to my {$220000.00}. Can you assist? If not, whom should I contact? Thank you.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Over the less than a XXXX period that PNC Bank managed my bank account ( they took it over through a purchase from BBVA Bank, who owned the immensely-popular-in-the-XXXX XXXX XXXX XXXX Simple which I was XXXX XXXX XXXX of ) I was charged over {$570.00} in overdraft fees. Near the end of my usage of PNC Bank, this brought my account far in to the negative. During attempts to gain control of my finances, I attempted to get these predatory overdraft fees refunded/removed. PNC bank only refunded {$140.00}, leaving me with at least {$430.00} in overdraft fees pushing me into the negative. They closed my account and sent me to collections following my refusal to pay for these predatory practices. PNC Bank should have a more customer-centric and permissive overdraft policy more alike XXXX XXXX XXXX and others.
Company Response:
State: MO
Zip: 65401
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: on XXXX XXXX I payed XXXX XXXX of XXXX XXXX on XXXX for a rear end for my XXXX ... he never sent the part..he also ask for XXXX more for insurance but I didn't send it..I relized at the time it was a scam..notified bank..they said nothing they could do it was PNC bank
Company Response:
State: KY
Zip: 409XX
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/22 I mobile deposited a insurance check from XXXX XXXX XXXX was told there would be a XXXX day hold on a check after XXXX days I received a letter saying it would be a XXXX day hold on a check they froze all my accounts even the money that was in the checking account before the holes were placed on this check I cant get any answers from PNC. No one retires my phone calls and my account is still frozen after 14 days.
Company Response:
State: FL
Zip: 32506
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A