Date Received: 2022-09-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I currently have a mortgage with PNC. I'm continually being sent letters for non payment. The bank seems to purposely either not process the payment or is losing it. It has taken them on my last payment an extra 18 days to process a payment. It seems they are in the business of purposely making my payments delinquent. I have all the dates of when payment is sent. I have always paid this the same way since the beginning of the loan. Now there is always some confusion with their system. There is a example of a payment that was from XXXX that should be applied to XXXX and they still have not completed this payment.
Company Response:
State: NJ
Zip: 07052
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was scammed using XXXX to pay for a product that seller never intended to send. My bank PNC refuses to reimburse me. I have no other recourse.
Company Response:
State: TX
Zip: 77035
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022 @ approximately XXXXXXXX XXXX I deposited {$780.00} cash into the PNC ATM located in XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, DE XXXX. My Money was accepted by the ATM that then came with an error messaging transaction could not be completed. No receipt was provided of the transaction and my card was returned from the machine. I immediately contacted Customer Service and the Employee was not clear in explanation and advised that this was normal and funds would be available in 24 hours or I could then dispute. I explained this was not normal and 9 times to speak to a Manger which he refused and disconnected the call. I called back and received another Employee who understood the issue and launched dispute. I contacted PNC again on XX/XX/2022 to ask for my funds and was advised that they have 45 days. I requested a provisional credit and was told they do not issue for ATM issues even if it is their fault.. Two of PNC employees hung up on me because I was asking for immediate escalation of the issue.
Company Response:
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am XXXX XXXX XXXX and I have been approved in Florida for the Homeowners Assistance Fund # XXXX and they are not sending a correct CURRENT arrears amount. My lender is PNC, Bank in XXXX, Ohio. Loan XXXX. The Florida HAF does not communicate with the claimants, will only release INFORMATION via a separate entity who do not have any authority to communicate the system 's failings to the people who actually can make decisions and CORRECTING ERRONEOUS PAYMENTS. My lender will not accept a cent less than the full arrearage amount AND THAT CHANGES REGULARLY. I am going to lose my home because no one is responsible for what happens to me or my home.
Company Response:
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The Servicer has continued to pay flood premium on a non existent home. Home completely demolished due to flood damage. PNC, the last servicer to have the loan, continued to pay the premium. XXXX XXXX got the policy cancelled, and advised XXXX would do an appraisal post XXXX to verify the structure is gone. There is an open claim settlement with XXXX to pay $ XXXX for a payoff and lien release. These are the funds received on the flood claim. While this was in process, PNC referred the file to XXXX and a sale date of XXXX has been set. We have repeatedly requested a valid payoff, less the illegally paid XXXX Premiums since XXXX. We have been unable to rebuild, sell or refinance due to the invalid payoffs. The escrow advances now exceed $ XXXX and we can not save the home from XXXX with the escrow, atty fees and costs and interest since this first began. The modification offered also included the false escrow and not accepted. We have been trapped in this property since XXXX and forced to live in a property that is not up to XXXX XXXX or occupancy requirements.
Company Response:
State: AZ
Zip: 85541
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened a bank account with PNC about a month ago. I had. A large balance. I was mailed checks and mailed a debit card. My checks and purchases started bouncing because the PNC Bank closed my account with no notice. I called the bank number and received no information. Today I was told I had XXXX in the bank but have not received it as of yet but just received a letter that my account is closed for no apparent reason. It is very difficult to get payment with XXXX on my purchases I sent back because they will not talk another bank card from other banks. They have to mail me a great deal of money in my returned items.
Company Response:
State: FL
Zip: 33434
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I am messaging you in regards of my bank refusing to give me my money back. I received 2 fictious checks ( from XXXX XXXX Bank ) after completing a XXXX XXXX for a stranger. She told me her bank wrote charge wrong and told me to clear the check and send the money back to her. I sent through XXXX. This happened 2 times and I had to send my personal money that resulted in {$3100.00}. I've filed a dispute with my bank, PNC but they refused to reimbursement my stolen money. I really need help.
Company Response:
State: TX
Zip: 77022
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XX/XX/2021, my husband and I were struggling financially because of reduction in income, due to the Covid-19 pandemic. We contacted our bank PNC, and requested assistance with our HELOC. We were advised over the phone that we could take advantage of a forbearance program, lastly 3 months, which would temporarily cut our payments by 50 %. We elected to participate in the program over the phone. We did not get paperwork detailing the terms or possible negative consequences of the forebearance. We made our partical payments XXXX of 2021, and resumed normal payments in XXXX of 2021. After the forebearance period ended our drawing privledges on our HELOC were revolked. We were not aware this was a possible consequence of the temporary forebearance. I contacted PNC and they said we could apply to have the drawing privledges reinstated, we have applied twice and been denied. This signifcantly harmed us financially, we were counting on using the funds available from the HELOC to pay off high interest credit card bills. We also noticed our HELOC monthly payments were increasing, so we applied to " lock-in '' the rate as per our terms and conditions of our HELOC, only to be informed the loan was no longer eligible for a rate lock, and is no longer a HELOC, but is now a variable rate mortgage, without the option of a rate lock. This is absolutely devastating. We can not afford to pay the increased monthly payment. We would NEVER have agreed to the forebearance if we knew the full ramifications of doing so. We need access to the equity in our HELOC, and we NEVER agreed to have it converted to a variable rate mortgage! PNC took advantage of us, and did not fully inform us of what we were agreeing to, or the possible permanent, and profoundly negative consequences. I contacted PNC bank on XX/XX/XXXX to dicuss my concerns, and try to work towards a resolution, but I have been unsuccessful. Please help us.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: Starting XX/XX/XXXX unauthorized transactions were being made on my PNC checking account through online purchases using my debit card number ending in XXXX. These are the transactions made in XXXX : XX/XX/XXXX {$82.00} XX/XX/XXXX {$30.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$380.00} XX/XX/XXXX {$110.00} I disputed these transactions and was issued a provisional credit. The debit card ending in XXXX was closed. On XX/XX/XXXX the provisional credits were removed from my account. PNC denied my dispute, I requested the reason and planned to wait for their documentation in the mail. On XX/XX/XXXX more unauthorized transactions showed up on my account. These transactions were online purchases, from the same merchant as my original dispute, and using the closed debit card ending in XXXX. I disputed this again with PNC and told them about the debit card being closed in XXXX. I asked how this is possible and they did not know. I also asked to appeal the denied dispute from XXXX. I was told the XXXX dispute was denied because a chip & pin was used. When I asked how one can use a pin & chip for an online purchase, they could provide no answer for this and agreed to file a new dispute for the XXXX transactions. I was instructed to wait for a response, which at this point I accepted. On XX/XX/XXXX more unauthorized transactions for online purchases from the same merchant and using the closed debit card ending in XXXX. I called to dispute again and requested this issue be escalated because this is very bizarre and I don't know how to make the unauthorized transactions stop. PNC also does not know how to make the transactions from the closed debit card stop, but they refused to escalate this issue. Here are the XXXX transactions : XX/XX/XXXX {$28.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$82.00} XX/XX/XXXX {$340.00} This has created an emergency situation for me. Now I have no money to my name. PNC has used this difficult time for me as an opportunity to sell me on their credit card. I was advised to sign up for a credit card with PNC so I can sustain myself until my next paycheck. Otherwise I have to wait for their investigation, all while this unknown person/people can continue to overdraw my account, for which I would be charged daily overdraft fees by PNC. They are unable to keep my money safe and unwilling to escalate the issue to prevent further withdrawals. I fear if I close the account entirely, I will not receive an adequate investigation from PNC for my current disputes. I would also like to add that I have been a customer with PNC since XX/XX/XXXX. I have disputed 1 other charge in that time. That dispute was 5+ years ago and for a small amount of about {$200.00}. That dispute was accepted by PNC. I do not regularly dispute my transactions.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A