Date Received: 2022-12-14
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I was going to open a new checking account with PNC bank, they found out my SSN is on use of somebody else,, different name completely
Company Response:
State: OH
Zip: 44122
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On or around XX/XX/XXXX I went to the local PNC branch ( XXXX XXXX zip code XXXX ) to sign docs for a HELOC. During the signing process the loan representative noticed a minor error which she assured me would be corrected. The error was in reference to withdrawing the money entirely to the checking account I was also opening that day. Nevertheless, I had no plans to immediately withdraw the loan in part bc the package offered by PNC allowed me to have the money locked ( although with a variable rate ) until I was ready to use it, paying only an annual fee of {$50.00}. Much to my surprise however, in XXXX I received an statement with a monthly payment and loan interest to be paid- the funds had automatically being moved into the checking account. In other words the matter noticed during closing was not corrected. I called the local branch to no avail as the branch does not regularly answers the phone. I proceeded to call XXXX housed at PNC in PA who worked on the loan approval and docs submission with me. XXXX stated the system showed I signed the doc to have the money withdraw automatically and no correction of such in the system. She submitted a complaint on my behalf and guided me on returning the money from the checking back into the HELOC account ( process was a bit difficult requiring two transfers etc ) and we both assumed everything would be resolved. The bank system however charged the loan amount and interest from my check account regardless, leaving it with less than {$500.00}, which is the minimum required not to pay fees for low checking account funds loan. As if this error was not enough, the system generated a XXXX statement requiring payment of an additional interest. The local branch does not answer the phone ( I wanted to reach out to a manager or the two ladies present at closing ), with that I spoke with the general XXXX for PNC on XX/XX/XXXX, a case was created and I was told to wait for a case manager to contact me. This however is yet to happen. Meanwhile, I continued to try to reach the local branch. Yesterday, XX/XX/XXXX in one of my numerous attempts a branch staff answered and assured me, XXXX, the local branch representative present at the closing, would return my call once she arrived at the branch. The call never occurred. I have attempted to contact the local branch again this morning to no avail. I would gladly close this loan and attempt to work with a more reliable and customer focused bank loan as this aggravation is not worth my time and money. However I would incur a penalty of over {$1000.00} for closing the loan. In other other words, PNC makes a mistake, it is not swift in correcting, makes it difficult to have the matter resolved and while in this convoluted process continues to benefit from having the loan amount which was not withdrawn plus the interest it continues to charge me. Leaving me with no recurse, but to file an oversight report. A prompt resolution to this matter would be greatly appreciated XXXX
Company Response:
State: FL
Zip: 33069
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: PNC Tried to foreclose on my home when it was time barred and they should not have been able to do this - they will not answer the question of what months my loan was in default - this cost me {$36000.00} and they are adding additional legal fees on my account when I should not have to pay any of this they said my loan became default in XXXX of XXXX because a payment was made in XX/XX/XXXX my loan was in default - you said the default on that started XX/XX/XXXX PNC -stated because I made a payment it was not longer in default - Texas and Federal Law The statute of limitations on debt in Texas is four years. This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. But wasn't it in default prior to that? on XX/XX/XXXX was my loan in default? did my loan go into foreclosure in or around XX/XX/XXXX - The time Barred would have started when it first went into foreclosure in XX/XX/XXXX Isn't that correct. I want to know the following In XXXX was my loan in default? - and if it was would that not have started the time bar for the statue of limitations. Then on a call with PNC I was told my first payment was not till XX/XX/XXXX - XXXX am sure the call was recorded - then it changed to my first payment was XX/XX/XXXX They sent me a statement that said nothing was owe in XX/XX/XXXX I am not asking attorney questions I am simply asking was my loan in default in XXXX what months in XXXX was my loan in default and what removed it from default Was my loan in default in XXXX - what months and what removed it from default was my loan in default in XXXX - what months and what removed it from default Easy - XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX - was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX - was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XXXX XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX - was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default XX/XX/XXXX- was loan in default The loan was in default in XX/XX/XXXX and that is when the time barr started - I have the right to ask this question- I don't have to have an attorney ask it -- This loan did have time barrs start on it - when did the time XXXX start - stop and restart - etc... Was a time XXXX started in XXXX? and if so why did it end Was a time XXXX started in XXXX - and if so why did it end
Company Response:
State: TX
Zip: 77493
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
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 paid off my car loan with PNC bank, and they sent a letter to me confirming that the loan was paid in full and that the vehicle 's title was included in the envelope. Since there was no vehicle title in the envelope, I called the bank at XXXXXXXX XXXX XXXX and was told that they can't locate the title, so it is up to me ( the customer ) to go to my XXXX XXXX and see if I can get a duplicate title issued. I would then mail that back to the bank for them to sign and send to me again, which I would then have to take back to the XXXX to have clear title reissued in my name. PNC bank is responsible for the title and lost it. They are responsible for providing me with the vehicle title at loan payoff so that I can get free and clear ownership of the vehicle. PNC 's incompetence is preventing me from taking ownership of the vehicle even after satisfying the loan in full. PNC says they may get back to me next year, but in the meantime I can not trade the vehicle or sell it since I don't hold title to it.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Other transaction problem
Subissue:
Consumer Complaint: XXXX of XXXX, and XXXX of XXXX ( possibly XXXX in usa as I am in XXXX at the moment ) I have tried to make international transfers which were denied because of pnc trying to call a phone number that was not in service which is not linked to my bank accounts and has not ever been. Another transfer was attempted, then put on hold for further information needed, information was given, and I was never given a response confirming the transaction and I was contacted by my friend this week that the transaction was successful despite me not being notified.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: On XX/XX/2022, I reported my credit card as lost/stolen by PNC and replacement of credit card. They replaced my whole account instead of card. Now it hurt my credit score.
Company Response:
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: In XXXX of XXXX, I was approached by a stranger I " met '' online. I was told that I would be sent money an amount a little over {$3000.00} ( which I was ) I was told to take the money that was deposited into my account ( via mobile check deposit ) and send it out to other people and then I would be given more money afterwards. The checks that were deposited were fake ( not to my knowledge ) the money was made available by the bank and I was prompted to both XXXX and XXXX payments to other people. I was XXXX and nave at the time, a XXXX XXXX with bills and financial obligations and I thought this was a quick fix. I did not have the means to pay that amount back during this incident, and 3 years later I am still unable to pay the money back. I was unaware that I was apart of a money mule scam and my account had been targeted ; some of the money that was taken when the check were returned was my own. The bank knowingly processed these fraudulent checks on my behalf, instead of looking into these amounts ( as I have never had anything over {$1000.00} in my account at the time ) the money was processed into my account, it was discovered the checks were fraudulent, and i was slapped with numerous inflated overdraft fees, on top of the account being overdrawn because the money was fake.
Company Response:
State: MD
Zip: 21136
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Original Creditor : PNC BANK XXXX Sold : Dont know Account type : Auto Loan Date Opened : XXXX XXXX Closed Status : Charge-Off Status Updated : XX/XX/2020 Balance : XXXX Balance Updated : XXXX XXXX Paid Off : 60 % Monthly Payments : _ Past Due Amount : {$19000.00} Original Balance : {$48000.00} Terms : XXXX Information has been used for/by entities and have been furnished on my credit report that i have not authorized nor initiated.Results leading to my credit report being access globally without my consent. Per section 605 15 U.S. Code 1681 C-1 ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; That report i have not authorized no consumer reporting agency to do nor have i been contacted by consumers reporting agency to have them consent to which is a violation of the United State Constitution and illegal doing in the United states . Also my birth date have been furnished on my credit report Per ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of XXXX, or, if the date of birth on the consumer report shows that the consumer has not attained the age of XXXX, such consumer consents to the consumer reporting agency to such furnishing.I also havent Consent to having my birth day on my credit report which is again illegal doing and violation of the United States Constitution. I have tried numerous of times to contact and have the consumer reporting agency to fix/resolve and to stop doing these illegal matters and i have not been getting any results.My Credit reports has been tampered with without my consent and without my doing.The debt you see at the top of the screen is illegal doing because i have not consent with any consumer reporting agency of having this debt furnished on my credit report.I have been contacted numerous times by debit collector and third parties trying to collect money from me for the account above.Per the federal Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C 1692 and following ) contacting third parties about my debit is Illegal.I have tried reaching out to the collectors asking them to stop the harassment.They call at unusual time or inconvenient times like in morning before 8 am while im at work even when i try to tell them my work place prohibits me from receiving collections calls at work. Per 15 U.S. Code 1692g - Validation of debts i have sent debt validation letters that have not been validated.Again another violation by a debit collector resulting from unduly and illegal doing from consumer reporting agency. This Account has been charge-off which means the creditors have sold the debit and whoever has bought the debit have not form no contract nor has sent me written notice ( know as a debt validation letter ) within XXXX days of trying to contact me which makes any collections of this account VOID.
Company Response:
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: In XX/XX/2022, I went to PNC Bank, located at XXXX XXXX XXXX XXXXXXXX XXXX and asked for the current interest rate for a lease buyout. After the banker, XXXX asked me a few questions about the vehicle and terms, I was given a range with a base interest rate of 5.44 %. I also asked how the debt-to-income would be calculated and specifically asked if the outstanding balance on my credit card that I pay off in full each month would be a factor. I was told as long as I pay off the balance each month in full, it would not affect the debt-to-income calculation. After being satisfied with the base interest rate and debt-to-income calculation explanation, I allowed the banker to run my credit. After a couple days, the banker called and told me I was approved for a rate of 6.24 %. I then inquired why it was not at or close to the rate of 5.44 %. I was told it was due to my risk factor. I was told in order to qualify for 5.44 %, I would have to be at a risk factor of XXXX and I came in at a risk factor of 1. I then asked how much does the interest rate increase as the risk factor increases. I was told that the interest rate increases by .5 % for a risk factor of 1. This prompted me to ask why wasn't the offered interest rate at 5.94 % ( XXXX ). I was then told that the base rate was 5.69 % and not 5.44 %. I then stated, well if that's the case, then why was the rate not 6.19 % ( XXXX ). The banker then stated that underwriting determined the rates and he would put in a complaint requesting that the rate of 5.94 % be honored because he gave me incorrect information regarding the interest rate and how the debt-to-income ratio was calculated. After the banker put in a total of three complaints within various departments within the financial system and 1.5 months later, all complaints were denied. Ultimately, I was told that they will talk to the banker to make sure he doesnt provide customers with inaccurate information moving forward. Had I been given an accurate interest rate initially, I wouldnt have allowed PNC to run my credit which ultimately decreased my credit score. I would have allowed the financial institution with the lowest base interest rate to run my credit. I would also have paid off my credit cards and waited multiple months with a balance of zero prior to allowing them to run my credit to better my debt-to-income ratio, if I had been given accurate information as to how the debt-to-income ratio was calculated. Due to the inaccuracy of these critical pieces of information, PNC has caused me to be put in a position of paying more over the life of a loan resulting in additional undue debt.
Company Response:
State: OH
Zip: 44121
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I would like to report inaccurate information that 3 auto loan banks are reporting to XXXX credit bureau. The do not belong to me. On XX/XX/XXXX, I called all three banks and they confirmed verbally that the loan on file does not match my name and social security number. None of the 3 banks are willing to provide me written confirmation that the loans are not associated with me and that they the will stop reporting to credit bureaus under my name and social security number. XXXX Texas XXXX XXXX XXXX ; account XXXX ; XXXX ; I spoke to XXXX XXXX XXXX PNC bank ; account XXXX ; XXXX ; I spoke to XXXX XXXX ; XXXX XXXX XXXX in Texas ; account XXXX ; XXXX ; I spoke to XXXX XXXX ; I have credit freezes on my social security number with XXXX and XXXX credit bureaus because there was a personal information breech at my job in XXXX. I attempted to freeze my credit with XXXX credit bureau too but this option was not available on the XXXX website or by phone. Apparently a XXXX XXXX XXXX XXXX have the same date of birth as me and has opened 3 auto loans in Texas. All three of the banks that I called today, said that XXXX XXXX XXXX did not have a social security number listed or that it did not match mine. I am having difficulty getting a home mortgage loan because of this collective issue.
Company Response:
State: NV
Zip: 89122
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A