Date Received: 2022-09-29
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: BBVA was a personal installment payment account that was paid off in full. When paid off the 60 days past due showed up on my account. I called them back to have this cleared and they said they would. I now just took a look at my report and it is still there showing 60 days late payments.
Company Response:
State: CA
Zip: 90660
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: PNC Bank continues to decrease my credit limit on both my credit ares for no apparent reason. As soon as I pay the balance down, the decrease my credit limit by almost the exact amount I paid down. When I spoke to them, they said it was due to my credit rating. What they are doing is exactly what they clam is the issue. By decreasing my credit limits, they are driving up my usage percentage and driving my credit rating down in the process. In the case of one card, they took {$4400.00} off my available credit in one swoop, driving my usage percentage from around 50 % to 95 %. Worst, I was on vacation at the time, and not notified of this decrease until a week later. I would just like to know why they are doing this. I have never been late with any payments on my cards or car loan, which make this appear to be a simple vendetta against me. I am shopping around for a new bank now, since I am not sure what else they are capable of.
Company Response:
State: WI
Zip: 53219
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: According to Title 15USC 1611 PNC Bank did deny me credit with my Social Security Number used in Application Process in this Consumer transaction discriminating against my unlimited full faith and credit.
Company Response:
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I discovered that there were fraudulent transactions on my account. I had " unusual activity '' checked on my account with PNC Bank for security. The bank never did anything to prevent someone or maybe several criminals from using my account. I never lost or even dropped my bank card. I do not know how they stole the money. I was too upset to add all the money stolen after I realized it was over XXXX. Most of the stealing was done with XXXX online food purchases, and XXXX. All of which I do not have and never did. I do not have XXXX, I do not purchase food online, I do not have XXXX, and I have not been to Maryland or California. I can see the money was stolen in states and restaurants that I never go to or use. If this wasn't unusual activity I do not know what was! I made a police report and a report with the FBI. I placed disputes for all of the money and the bank returned a small portion of it and has a very convoluted and confusing phone process that causes me to get a hold of those that can tell me virtually nothing. In other words, I can not talk to the bank directly about my disputes. I believe that this is done purposely.
Company Response:
State: OH
Zip: 44118
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: Hello Consumer Help, My name is XXXX XXXX. I've been a customer at PNC for a decade or more. To there is a continuing problem with deductions in my XXXX XXXX XXXX account. The pending deductions decrease the account for several days. When these deductions finally post the money is not returned to my available balance. Literally, I have been charged one XXXX charge 4 times in pending ( {$34.00} on XX/XX/2022 ). When this charge posts I will not receive those deductions back. It's happened before. XXXX charge ( {$160.00} ), on XX/XX/2022, in pending payments has not yet applied to my spend account. Yet it has decreased my free balance 3 days in succession for a total of {$500.00} according to the post calendar. This has put my account in a negative balance which I had to cover. Also XXXX ( {$4.00} ) has been in pending for 3 days decreasing my available balance by {$17.00} total by XX/XX/2022. Earlier this month on XX/XX/2022 and XX/XX/2022, XXXX XXXX XXXX 's pending payments of ( {$73.00} ) and ( {$130.00} ) decreased my free balance for 3 and 5 days forcing me to cover from other accounts before the payments finally posted to my XXXX account. When these deductions finally posted in my XXXX the daily deductions from pending remained. I have called PNC to discuss this issue in pending. No other card or bank service has this issue. I am owed at least {$1200.00} from this week 's these repeat pending deductions that were not immediately posted to my account. This is not the totality of loss. This is just what I've noticed from XXXX til XX/XX/2022. PNC says it is the fault of the vendor. I believe it is the fault of the PNC app for allowing repeat posting or holding of debit card transactions. They should have a department to resolve this and take of their customers ' money I have multiple payments that have already reached the merchant only to stay posted in PNC pending status for several days. This is not a credit card. These are cash transactions using my debit card. I have been keeping track of these deductions and rearrangements. Please assist me in addressing this issue. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX Message from XXXX at PNC : Good Day, XXXX! Sorry for your confusion. When transactions hit the account and are pending, they are viewable in the Pending Activity section. This is typically appears as soon as the card is swiped or authorization is given. PNC views this as an authorization or request to suspend the use of the funds. Merchants request for authorizations can be listed for one to seven days. PNC will wait for the merchant to submit confirmation or receipt before we pay the funds from your account. Because posting is dependent on individual merchants, the authorization date and the posting date do vary. When these items officially post to the account and are paid, they can be viewed by selecting the Posted Transactions. If the pending authorizations have been cancelled, the merchant determines when the hold is set to be removed. To expedite the hold removal, Please have the merchant contact XXXX between the hours of XXXXXXXX XXXX and XXXXXXXX XXXX Monday-Friday. This is our Merchant Hold Removal Department. That merchant will have to call without you on the phone, as sensitive business information needs to be verified and the department will not speak directly to customer 's or while you are on the line. Please ask the merchant to have the following details handy : Full card number used Cardholder 's name Date of the initial authorization Amount to be removed If the information is all inclusive and the request is within guidelines, the request will be fulfilled immediately.
Company Response:
State: DC
Zip: 20003
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was victim of a Payment Scam. Fraudsters impersonating PNC XXXX XXXX stated a withdrawal of {$5400.00} was about to take place from my checking account. The money was to be used to purchase cryptocurrency. I needed to immediately go to my PNC branch and withdraw the same amount, go to a bitcoin ATM and insert the cash, and take the receipt back to the PNC branch in order to negate the supposed withdrawal that was to take place from my checking account. I was convinced I was speaking with a PNC XXXXXXXX XXXX on the phone and went to the PNC branch, requesting withdrawal of {$5400.00} in XXXX bills. The teller was given approval to complete the transaction. I was nervous and frightened. No bank employee ASKED or QUESTIONED why I was making such an unusual request. Had they questioned me It may have motivated me to tell what was happening to me at the time. I was being controlled. I therefore lost the {$5400.00}. I didn't realize I had been scammed until later when I called PNC and reported what happened. Had the teller attempted to question me, I feel it may have broken or interrupted the control the impersonator had over me at that time. I feel PNC failed me at a time when I needed help but was too afraid to ask. The fraudster had warned me that there was suspicion since PNC had approved the initial supposed withdrawal, that someone within the branch may be involved. I was instructed not to say anything to anyone inside the bank. A full detailed account of what happened was given to PNC during which I was advised that I had been scammed.
Company Response:
State: PA
Zip: 193XX
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My debit info was stolen, and about {$10000.00} was taken from me. I spent days at the local PNC branch disputing transactions ( I had a police report and plenty of proof and admittance of the person that stole the money ). The dispute was not filed correctly ( the branch admitted this to me ) and it was passed between 2-3 people during the process, so some items were not disputed that should have been, or were disputed that shouldnt. The bank refused to give me provisional credit during the investigation, even though I had proof of everything. The bank ended up denying my disputes, closing my account, and stating account abuse. The branch is at fault, and admitted to filing my disputes incorrectly. XXXX XXXX at corporate was well aware of all angles of the situation and would not help me get it straightened out. I am a single mother of XXXX, have been evicted during the process, and am still without the money that was stolen from me. And now am without a bank account.
Company Response:
State: TX
Zip: 79416
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX pulled my credit report three times in XXXX of 2021, and I only applied once.
Company Response:
State: NJ
Zip: 08527
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: PNC Bank Processed a check for {$1000.00} at XXXX which caused an overdraft 0f XXXX. I setup electronic notification of any low balances and made a Cash Deposit of {$700.00} in the morning of the notification. This would have more than remedied this issue. I then noticed in the late afternoon of the returned check. I contacted PNC Customer service and confirmed this check was actually going to be returned. I asked for a Supervisor and talked to XXXX of PNC Customer Service who states she could not correct this issue. I find is unbelievable that if I setup these notifications and once I receive notification, I am not able to do anything to remedy the issue.
Company Response:
State: IN
Zip: 461XX
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I was scammed. I found a guy on the XXXX app ( pet sitting ) who wanted me to take care of his dog. Said he was moving to the area. We talked for a while about that. Then he asked me if I would be willing to do some personal assistant stuff and asked me to order him some supplies so he could have them ready when he arrived. So he sent me a check for {$4500.00} with a list of stuff to order. I deposited the check at PNC Bank on XX/XX/XXXX. He then told me he hired a personal shopper and asked me to please send the money to his shopper instead of ordering the supplies myself. So I sent all the money via XXXX. Today, on XX/XX/XXXX, the check bounced and was found to be fraudulent, which put me in the negative for that amount as I had no money in the account at the time. I replenished the money, in CASH within the hour of it bouncing. After I replenished the money, all of my accounts were frozen. I went into the branch and was told that my accounts were being closed, and I would not be able to open a new account as they were terminating the relationship. I begged them not to do that. All of my bills come out on the XXXX, and Ive been banking there for XXXX years. I sobbed and begged. They told me no, gave me my money, and sent me on my way. I was the VICTIM of a scam. And my own bank not only wouldnt help me on the fraud end, told me they could do nothing, they then terminated all of my accounts immediately.
Company Response:
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A