Date Received: 2022-08-14
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: PNC Bank and I have yet another discrepancy. Please beware everyone and sprint from this bank as quickly as possible!!! I have opted out of overdraft coverage, yet my account is overdrawn by almost XXXX. I called PNC and spoke with a XXXX or XXXX, on XX/XX/XXXX at around XXXX XXXX. She was very nice, but she did not help resolve my problem at all. I explained to her that my account was XXXX dollars and that I was confused because I have not opted in to overdraft coverage. I have screenshots showing that my account is " not opted in '' for overdraft coverage so one would expect for all of those charges to be declined. Yet PNC decides to let the overdraft swell to XXXX and I received an email message out of the blue. I always check my app and the computer version of my online banking and I had XXXX cents in my account on XX/XX/XXXX when I went to bed. The next morning ( XX/XX/XXXX ) I woke up to a message that I was all of a sudden XXXX in the hole when that was never what I saw on the app or on my computer. Mind you, it looks as if the charges that made me overdraft were not ACH charges that were going through. Why was this payment charge not declined if there were not enough funds to cover it? It was not an ACH charge. I did not opt into overdraft coverage for this reason. It looks like a slew of charges came through on the night of XX/XX/XXXX that made it become XXXX and some change overdrew. She explained to me that the order in which charges post is not the order that we see as a customer. She also told me that ACH charges go through automatically. My argument is that these charges were not ACH ( they were point of sale debits, payments, XXXX back-to-school haircut, etc. I would have NOT been spending money if my account had told me the correct available amount that I had in my account. I thought the point of having a " balance '' and " available '' on PNC accounts was so that I can see what my balance is versus what I actually have available to spend. I always see the " pending '' charges and those are usually subtracted to give me an accurate available balance from which I spend money. That was NOT the case this time! She basically told me that there was nothing they could do. I was told that I will now be charged XXXX dollars a day, every day until my account is brought back positive, for overdraft coverage that I did not opt into. I am a hard-working teacher and we only get paid once a month. There are about 10 days until payday. How am I supposed to pay XXXX ( XXXX X XXXX ) dollars in overdraft fees for coverage that I did not opt into? Please help... I am definitely closing this account asap. This is so crazy that a bank can even charge XXXX dollars a day for overdrafts- let alone for overdraft coverage that I did not opt into. I have had enough of PNC!! BBVA WE MISS YOU SO MUCH!!
Company Response:
State: TX
Zip: 75068
Submitted Via: Web
Date Sent: 2022-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I refinanced my XXXX XXXXXXXX XXXX which I financed with PNC Bank. Around XX/XX/XXXX, I refinanced my vehicle with XXXX XXXX. Without being notified, PNC Bank received the pay out check for my vehicle from XXXX XXXX and cashed the check through their accounts. The check was sent back to an address for XXXX XXXX who could not locate or retrieve the check for over 3 months. During this period of time, neither XXXX XXXX or PNC Bank contacted each other. After my own efforts of due diligence, I learned of late payments that accrued on my PNC Bank account. In addition, XXXX XXXX contacted me after multiple complaints, that the payout check from PNC was returned and sent to a branch that XXXX XXXX was not aware of. XXXX XXXX then took the payout check, cashed it and closed my account with XXXX XXXX who had issued me a lower rate and cheaper car note payment than PNC. After I contacted PNC, they told me to contact their PNC Bank Consumer Credit Bureau Investigation Department to inquire on how to have the late payments removed. Due to these late payments, my credit score has dropped significantly due to a lost check which was sent from PNC to XXXX XXXX. I now have to pay a higher car note with higher intrest rate and my recourse is only to re apply to have my credit ran again with hard inquires. On or about XX/XX/XXXX, PNC responded and alleged that information furnished was correct, accurate and that they would not remove the 60 day late payments. ( See attached ) PNC in addition attempted to muddy the waters and deflect from the issue of the ( 60 ) day late payments and speak on my current late payment. PNC is a disgrace company who has taken predatory actions against my personal credit. PNC Executive Client Relations specialist, XXXX XXXX was assigned to investigate this matter. XXXX recited hearsay second hand information. She was not able to verify or give reference to any of the persons or parties that were part of her investigation, In addition, there were no dates included in her investigation to corroborate her investigation. XXXX XXXX alleged she was on vacation and did not respond to multiple emails of mine. Allegedly XXXX was on vacation when i received this response to the CFPB. I was not afforded my constitutional right to confront my accused or cross examine any parties that were part of this investigation or have a way to address any of the alleged information submitted by XXXX. ( See attached emails ) I intend to take this matter to the XXXX and US Attorney General 's Office due to this travesty. I continually suffer till today due to two ( 60 ) day late payments which were no fault of mine. PNC and XXXX XXXX were the only parties in control of this check, yet I am the only one who is suffering. I have missed out on loans and refinancing due to this. My rights pursuant to USC Articles and Constutional Rights have been infringed upon and I intend on using this complaint as prima facie proof for my lawsuit.
Company Response:
State: LA
Zip: 70363
Submitted Via: Web
Date Sent: 2022-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sold my car on XXXX the person didnt have a proper form to pay me after I had already given him the keys! I told him if he didnt pay me by tomorrow Id report the car stolen and involve the police XXXX He asked for my routing number and account number I gave him my new pnc because I didnt want to take a chance with my main account. I contact pnc after I got the letter the check was bounced and they asked to get a police statement I did an nothing has happened further. I can no longer open any bank accounts its causing me a great deal of stress
Company Response:
State: GA
Zip: 30008
Submitted Via: Web
Date Sent: 2022-08-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: they closed my accoutn for zero reason never been late nothing have excellent credit bc im XXXX and XXXX they did this
Company Response:
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2022-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I set up automatic monthly payments for a little more than my regular payment when we first got our vehicle, intending for the extra to be applied to principal. This is an option on the auto enrollment form. My regular payment is {$700.00} and I pay {$750.00} per month. This month I received a letter from PNC saying that I was paid ahead and wouldn't be receiving a statement for XXXX. I called the phone number provided and they said they would take last month 's payment of {$750.00} and apply it to principal which would roll my next payment due date back to XXXX and my auto withdrawal would resume. I agreed to this, but when I inquired about how the extra I pay every month could be applied to principal moving forward and not to the next payment due, I was told that was not possible to set up. I intended to be reducing my principal every month and thought when I enrolled in auto payments this is what would happen. When I complained the phone went dead .... there was literally no response. I feel mislead and that I am being penalized for wanting to prepay my loan a little at a time.
Company Response:
State: IL
Zip: 620XX
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
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: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I got a loan with BBVA Compass in XXXX and now it has been absorbed by PNC Bank. I do not have any active accounts with PNC Bank. The debt was purchased more than one time and now XXXX XXXX XXXX has filed a lawsuit against me. XXXX XXXX XXXX is a successor-in-interest and the lawsuit originated in Utah. It also states that the debt was acquired on XXXX XXXX. This account was not opened in XXXX of XXXX.
Company Response:
State: VA
Zip: 23434
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Pnc Bank loan service has violated many consumers credit laws. Under 15 USC 1681 ( a ) Permissible Purpose of Consumer reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. PNC did NOT/ do NOT have permissible purpose I did NOT give PNC my written consent to report anything to my consumers credit report. No consent is identity theft. PNC BANK has violated many consumer laws so lets state a few. Under 15 USC 1681 ( a ) 4- Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. This law clearly states that AGENCIES are to be accurate and fair. Wheres the accuracy and fairness? The last few words of 15 USC 1681a ( 4 ) states RESPECT FOR CONSUMERS RIGHT TO PRIVACY. PNC BANK has violated its 2nd consumer law. Under 15 USC 1611- Criminal Liability for willful and Knowing Violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. PNC Bank has yet AGAIN, violated the law. PNC BANK willingly, carelessly and Knowingly violated 15 USC 1611. PNC BANK has posted hard inquiries on my consumers credit report without my WRITTEN consent For every hard inquiry posted on my report is {$1000.00} a piece for every party responsible for every hard inquiries to my credit report. Ive reached out to PNC BANK regarding this matter via mail/ certified letters with return receipts to rest assure that they receive my demands! PNC still failed to remove what was demanding them to do. PNC BANK has also committed Aggravated identity theft. PNC REPORTED information as a third party, report to the credit bureaus and posted it to my consumers credit report as if they were me ; Knowingly and willingly that they are committing AGGRAVATED IDENTITY THEFT! Under 18 U.S. Code 1028 ( a ) Aggravated identity theft ( A ) Offenses.- ( 1 ) In General- Whoever, during and in relation to any felony violation enumerated in subsection ( c ), Knowingly transfer, possesses, or use, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. Banks are borrowers! A copy of this will be sent to all parties responsible, the attorney general and PNC loan Service XXXX, XXXX, XXXX.
Company Response:
State: MI
Zip: 48234
Submitted Via: Web
Date Sent: 2022-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Support was disrespectful and you can even hear her snickering as she tells me false information. XXXX, case number XXXX. Tried telling me that a service I have been using for almost 2 years was NEVER available. That can not be true. She then tried to explain some non-technical communication between the bank and the third party. saying XXXX such as " it using security questions and not a one-time code ''. Let 's pretend she didn't just pretend to know something she clearly doesn't, let 's pretend I believe her XXXX. How is she the ONLY person in PNC that knows anything? and when I asked for a supervisor, she snickered and said she doesn't have one and that she is the supervisor. This is insulting. If she doesn't want to do her job or take it seropusly, why do I have to pay the price? This is my finances, MY LIFE and this employee did nothing but lie to me and snicker. UNACCEPTABLE. Attorney General complaint is to follow. XXXX they record for " Quality '' assurance
Company Response:
State: FL
Zip: 33055
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This has been going on for at least XXXX months. I just found our about your XXXX. PNC Bank sent us a credit report which showed information other than what was actually on the reports at the XXXX credit reporting services. I have contacted PNC XXXX times, twice in person at the bank and twice on the phone. The only response I get from them is to contact the reporting services. No matter how many times I tell them the reporting services have the correct information, and PNC has downloaded the wrong reports, they don't understand. But of the XXXX reports, only XXXX shows one missed payment in XXXX PNC has downloaded information from the wrong XXXX XXXX or the wrong ss #. I haven't been able to download the info so I have to type it : XXXX -- Number of accounts with delinquency XXXX -- Lack of recent installment loan information XXXX -- Ratio of Balance to Limit on Bank Revolving or other revolving accounts too high XXXX -- Too few accounts currently paid as agreed XXXX -- # of inquiries had a minor adverse affect on the score SS # XXXX XXXX XXXX : XXXX XXXX XXXX
Company Response:
State: AL
Zip: 36526
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A