Date Received: 2022-08-25
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I've issues with PNC 's shady practices in the past so I've been taking screenshots of my account. My account was around {$66.00} XX/XX/XXXX and XX/XX/XXXX I wake up to a negative {$53.00} balance. I have screenshots of my account that doesn't at all indicate that my account would be negative or that there were any amounts coming out today. I contacted PNC bank and was immediately transferred to a manager stating she couldn't guarantee that I wouldn't be charged an overdraft fee of {$36.00} usd for three charges. That would cost me around {$100.00} dollars. They tried this same thing before and after I explained my situation they waived XXXX overdraft fees. I didn't press the subject and decided to keep better tabs on what funds would be coming out and STILL they pull this XXXX. People are struggling to pay rent and keep gas in their car, we can not afford for banks to keep doing XXXX like this. I'm going to continue fighting these charges until they give me money back, if they process an overdraft fee. I check my account and take screenshots several times a week because this gives me anxiety. Right now I can not afford this.
Company Response:
State: NY
Zip: 11217
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have filed 3 dispute with my bank PNC {$250.00} ( XXXX XXXX XXXX ) XX/XX/2022 {$1100.00} ( XXXX XXXX ) XX/XX/2022 {$960.00} ( XXXX ) XX/XX/2022 I contacted the company and my bank for all these dispute and i have received was a run around from my bank and no giving me any information on the disputes
Company Response:
State: MI
Zip: 48228
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
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: I have looked at the response the PNC Bank have submitted to the CFPB on XX/XX/XXXX. They still didn't provide viable proof and fail to comply with law. There are a couple of things, First, I have never contacted PNC Bank representative XXXX XXXX through the email they have mentioned in the letter in response to the Case Number XXXX. That email does not belong to me and my email address is XXXX. Secondly, I never had any deposit account with XXXX XXXX I believe PNC Bank should verify with XXXX XXXX directly. I have also sent an email XXXX XXXX ( PNC Bank Representative ) regarding this on XX/XX/XXXX but she never responded back. I am requesting again to ask PNC Bank to correct their record and delete this account from my credit profile ASAP as this issue has been going on since XX/XX/XXXX.
Company Response:
State: TX
Zip: 78754
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/XXXX I went to XXXX in XXXX DE. I $ XXXX for XXXX and about {$18.00} for a small birthday cake and a # XXXX birthday candle. I used self check for the cake. The XXXX I paid for at the Pharmacy. The night of XXXX? XXXX My visa card was used at XXXX XXXX for a yogurt melt, an organic snack and a plush monkey and a {$400.00} dollar gift card On XX/XX/XXXX My XXXX card was used at XXXXXXXX XXXX for makeup ( which I have not worn for 12 years since I retired ) and a {$400.00} visa gift card. On XXXX? XXXX XXXX XXXX card was used for a tank top and a crop top ( I am XXXX and weigh XXXX lbs -- I would not wear these top ) and a {$400.00} visa gift card. When I say MY CARD, I mean the infor of the cards. The card was in my pocketbook which was in my personal home safe. PNC keeps telling me these were " valid '' purchases. They are incorrect. I have called every week day to solve this problem. I have been told that " someone '' will call me. I have called the State Trooper unit in XXXX. I have talked to XXXX ... .They said they have film. As far as I know PNC fraud has no true documentation for these expenses.
Company Response:
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I had a HELOC loan with PNC bank which was paid in full and should have been closed on XX/XX/2021. It is still shown as active. This is adversely affecting my credit rating and my ability to secure a mortgage. I have called twice with no change in status on my credit report.
Company Response:
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: From XX/XX/XXXX - XX/XX/XXXX Unauthorized change of address submitted to my custodial account. I did not notice the unauthorized change of address until I moved and logged into my online banking to change to my new address on XX/XX/XXXX. I contacted bank on XX/XX/XXXX & XX/XX/XXXX The unauthorized address that was on my custodial account, is the address of my child 's father who I was never married to and have never shared any accounts with. The address has never been associated with my name. I have a active XXXX order under Indiana codes IC 34-26-5, IC 34-26-5-9 My child on the custodial bank account has a current case entry into the Department of State CPIAP program. This case entry is because father is a XXXX XXXX XXXXXXXX, which is documented in court proceedings. I need to know how this address got on my account. The bank has no record of address change from the time period XXXX. I am requesting further investigation into any and all deleted data on that account. All recorded bank phone calls for that account in that time period of address change. And any IP address that has logged into my online banking. Any data on bank locations visited, other than my local banks I frequently go to.
Company Response:
State: IN
Zip: 46112
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have XXXX negative accounts. on my credit report. One is XXXX XXXX Bank. Credit account amount for The XXXX # is XXXX. It was opened on XX/XX/XXXX to XXXX XXXX The balance is XXXX as of XX/XX/XXXX. It still shows open. I believe someone opened this account using my information In XXXX of XXXX. To open card because I never used this card. Please remove from my credit report. The other one is PNC bank opened up XXXX of XXXX. The account number is XXXX ... .Closed on XXXX of XXXX It is showing Paid/closed on the report. The account number is It still shows open. Please remove this account from my report. Thanks, XXXX XXXX
Company Response:
State: CO
Zip: 80918
Submitted Via: Web
Date Sent: 2022-08-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-20
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: * XXXX was notified of maturing PNC heloc note on or about XX/XX/XXXX. I was unaware that the note was a 15 year vs 30 years. * I also received a Refi notice/option by mail from PNC a couple of days prior to the loan maturing email. * I contacted PNC Refi on XX/XX/XXXX, specifically noting the need to Refi the expiring loan. I provided the Refi CSR the maturing loan number that matured on XX/XX/XXXX. * Apparently no one from the Refi Dept alerted the Loan Dept of the ongoing application for refi, as I found that no payment was taken by auto draft on XX/XX/XXXX as expected. * I called the Loan Dept on XX/XX/XXXX and provided them with the information/CSRs involved in the refi, and requested how to handle the loan payments until the refi closed. * CSR noted I should make my " regular '' payment amount until the loan closed, and took my payment over the phone. * That was apparently not the exact protocol. These incorrect instruction provided by the CSR on XX/XX/XXXX have led to a complete fiasco ( as is my ongoing refi ), and subsequently caused PNC to report " late payments '', although all payment been made thru XX/XX/XXXX as instructed by a PNC representative. * Attached documents explain in detail
Company Response:
State: TX
Zip: 76134
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had over 80 small charges, many were for the exact same dollar amount on the same day ( for example {$10.00} shows on one day being charged 7 times in a row ) that I disputed with my bank, PNC Bank. I was given provisional credits then they reversed the provisional credits then added in a bunch of overdraft fees to take my account over {$1000.00} in the negative!!! I requested a copy of documentation used to make their determination ( which they said they would provide on the notices they sent in the mail ) that the charges were legit and have not received any reply whatsoever. No evidence, no call back from PNC Bank, nothing.
Company Response:
State: KY
Zip: 40205
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with a fair credit reporting act [ PNC BANK # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Company Response:
State: PA
Zip: 18201
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A