Date Received: 2022-08-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Credit company " PNC Bank '' is reporting late payments on all 3 credit bureaus. dates : XXXX and XXXX year:XXXX. I did not give permission or consent for " PNC Bank '' to give a third party, which is the " Credit Bureaus " authorization to report late payments. I have never had the opportunity to Opt Out of any information being disclosed to a third party. Clearly this is a violation and this is hurting my credit score. ( Action ) The action that was taking was me send a dispute letter to the company ( PNC Bank ) and this. pursuant to 15 usc 1681 ( 2 ) ( A ) ( i ) states : report containing information solely as to transactions or experiences between the consumer and the person making the report ; So that means any transaction between the consumer, which is I, XXXX XXXX and the " person '' which is the creditor, " PNC Bank ''. Pursuant to 15 usc 6802 ( b ) ( 1 ) ( A ) states : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Company Response:
State: PA
Zip: 19103
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: Good day, I secured a personal loan with BBVA bank in XXXX at a local XXXX, Texas branch, I used the funds to start a small buisness. 83 % of the loan was paid off in XXXX. During COVID my business suffered and sales declined. I became ill with COVID preventing me from working at my business therefore, I was unable to make payments on my loan. I received a letter from PNC stating they had bought out BBVA and would be handling me account. I called PNC on several occasions, explained my situation and asked for assistance to have my payments delayed or postponed as suggested in collection letters sent via mail by PNC. My requests were denied by PNC, I expressed my frustration and stated I would make payments when funds were avaliable and asked for help in not having me credit score affected, due to no assistance by PNC my loan defaulted with less than a {$5000.00} balance. PNC reported me to collections which significantly lowered my credit score from a XXXX plus to a XXXX. The reporting has negatively impacted my borrowing power and first time home buying opportunities. On XX/XX/XXXX I paid off the remaining balance on my loan to PNC. I was given a letter by the branch manage stating my account was paid and closed. I would like PNC to take action and report this pay off as soon as possible to all credit reporting agencies in hopes of quickly increasing my credit score. I would also like to file a complaint due to lack of loan payment deferral during a pandemic. Regards, XXXX XXXX XXXX
Company Response:
State: TX
Zip: 77057
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-07
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a debit card in the mail for an account I did not open.
Company Response:
State: PA
Zip: 15241
Submitted Via: Web
Date Sent: 2022-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-06
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: I placed an International consumer money transfer in the amount of {$4000.00} XX/XX/2022, from PNC Bank XXXX XXXX Bank in XXXX, XXXX, XXXX Bank XXXX XXXX. The {$4000.00} was received in XXXX Bank headquarters, but could not be assigned to beneficiary account due to incorrect beneficiary account name and number. I was advised by PNC to file amendments for beneficiary account name change and account number change, in person through PNC bank XXXX XXXXXXXX, and then through PNC Wire Disputes XXXX XXXX directly, XXXX XXXX refused to call, stating this was the same number he would call anyways. Similarly, a request to the PNC bank XXXX was unhelpful. He told me to call the same number. I did call this number and file several amendments for beneficiary name and account number, however, according to the abundant emails provided by my beneficiary, XXXX Bank stated that they did not receive any amendments. When I brought his matter to PNC attention, through this Dispute line, it became clear to me that there was no process to investigate or counter this claim. PNC simply said " we are waiting for confirmation from XXXX Bank ''. When I asked " how long do you wait? what if confirmation does not come? what is the next step? '' " can you not just pick up the phone and call the bank XXXX in XXXX whose name is on the XXXX? '' they could not answer me. When I asked " XXXX Bank says they did not receive the amendment, PNC says they sent it ... so where is the amendment? they could not answer. Nor could they provide sufficient information to me to counter XXXX Bank 's claim. Such complete lack of transparency and a lack of direction from PNC undermines its credibility with its consumers and with other banks in the international banking system. The issues are as follows : XXXX. I am in need of a process to investigate, dispute or initiate further action on XXXX Bank 's claim that they did not receive the amendments. Simply refiling an amendment that the beneficiary bank state they never received in the first place is futile action. Furthermore, I initiated a recall of this wire on XX/XX/XXXX. However, if XXXX Bank repeatedly states they have not received the previous amendments, then how are they to receive the recall request???? This situation must be addressed. XXXX age, unresponsive communication on the American side. Despite my beneficiary providing me with reams of XXXX chains from XXXX Bank documenting the problem, and suggesting a resolution of the problem, PNC simply provided me, in writing, XXXX weeks after my request for more information, a deliberately nebulous and unsettling " we have updated your transfer as requested ''. Why is it done via regular post? Particularly since wires are time sensitive. Is this tiny, tiny response the best you can do to convince me and XXXX Bank that you are trying to resolve the issue? XXXX. Complete lack of transparency. PNC did not inform me of any activity on my wire. I initiated all discovery because I had received information from my beneficiary. Why is it that XXXX can provide me reams of XXXX documentation, with bank XXXX XXXX and contact information, documenting the problem clearly, and documenting path to resolution, whereas PNC bank provides a letter in writing XXXX weeks after the request, that simply states that I filed an update. This affects my credibility and the credibility of American banks. Furthermore, XXXX Bank initiated a return of my wire on XX/XX/XXXX, but I was not informed of this by PNC Bank. Again, I discovered this through my beneficiary. Why is my bank not working for me??? XXXX. The timelines are not protective for consumers. XXXX tells me they are obligated to return an unclaimed wire within XXXX XXXX due to interest charges. PNC tells me that my amendments to the wire XXXX take up to XXXX days to go through. I propose that the amendments need to go through before the wire is returned. You need to align the amendment time to less than XXXX days, or this is a useless amendment. I am happy to provide additional, specific information, upon request.
Company Response:
State: TX
Zip: 77025
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-06
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: PNC purchased BBVA. My loan payments did not correctly convert I guess? I never was late pay, see other accounts on my credit bureau. NO LATE PAYS. Please help as I am trying to buy a house and this one single account and causing a lot of problems. I have refined loan to another better bank and show a clear history too. I called PNC and they will not respond. What I am to do? This is not fair credit reporting for my history. Thank you
Company Response:
State: TX
Zip: 76048
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I had a checking account with PNC Bank. Due to PNC 's neglect in providing a minimum level of acceptable service I closed my account in XX/XX/2022. I requested my personal information be removed from their records and not be used for marketing or solicitation. I continued to receive unwanted credit card offers from PNC. I contacted them again to request no more solicitations and they referred me to a third party to block future offers. I completed the required information and was advised I would no longer receive unsolicited offers. I still receive these offers from PNC Bank.
Company Response:
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: My name is XXXX and Im one of the many victims of the XXXX XXXX XXXX scam. On XX/XX/XXXX XXXX was selling a sofa-bed on the XXXX. A prospective buyer messaged me requesting to pay using XXXX. I wasnt familiar with this form of payment, but I remembered that I had seen it on my PNC app. The fact that XXXX was offered on my bank app gave me a false sense of security that brought my guard down. The buyer asked for my email address to send the payment. I received a fake email appearing to be from XXXX XXXX XXXX the buyer had paid using XXXX business account and that I must upgrade to the business account too. The buyer then contacted me directly claiming that he received the same email from XXXX and, to make things easy, he sent me money to cover the purchase and the upgrading fee. Then the scammer asked to be reimbursed for the upgrading fee. And this went on with XXXX transactions ( claiming problems with the XXXX system ) with a total loss of {$1700.00} ( {$200.00} + {$500.00} + {$1000.00} ), almost all the money I had in my PNC account. I reported the scam immediately, within minutes, to PNC. After 10 days from filing the dispute, PNC sent me a letter of denial, stating that the XXXX transactions were not fraudulent because I had authorized them, even though I had been tricked into doing so. I believe that since XXXX is embedded in the PNC app, PNC should feel in part responsible for these scams. If I had to download XXXX and create an account myself, I would have probably had the time to think about what I was doing and get suspicious. Also, banks get away with denying these claims because federal Regulation E requires banks to cover only unauthorized transactions and these scams trick people into making the transfers themselves. I believe that since I was duped into making these transactions, they should be considered unauthorized. Thank you for listening to me. Please, let me know what I can do to make this right. Any suggestion will be greatly appreciated
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2022 was a victim of fraud. Upon immediate transfer of funds, contacted PNC bank to withhold funds. We are talking within seconds of transaction. PNC said it was a temporary hold and had to wait until funds transaction took place. After more than 4 calls and 4 hours on the phone, PNC did nothing to assist with the prevention of funds or stop payment. Had to call back 2 more times, each time asking for proof of what information was used to handle dispute. XX/XX/XXXX, received letter from PNC stating : " Here 's what happened : You contacted us recently to request a copy of the documentation we relied on in making our decision regarding your disputed transaction ( s ). Any applicable documentation is included with this letter. Below is further information on evidence relied upon in decisioning your dispute : PNC Terms of Use for XXXX- You can access the PNC Terms of Use for XXXX form the XXXX Home Screen via your mobile app by Selecting Send Money with XXXX, tap Manage XXXX Settings, then tap XXXX Terms and Conditions. '' There is NOTHING attached or included otherwise to support their decision and I for one believe I have been scammed by this non-acting bank.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have been lied to repeatedly by PNC bank..I had a transaction that comes out automatically, it did it twice. I immediately called the bank, first they say if I go online, I can cancel the transaction.. ( first fib ) I called back and asked for it to be removed, I am told I have to do a dispute.She says she filed it after asking me to verify my account. I call a few days later. I am told no dispute was filed..ask for it be filed again, I call two more times, it still wasnt filed, speak to a supervisor he says it has to be filed because how do they know I am being true full. I ask him is he saying I am lying, he says how do they know I am not, he says he filed a dispute..I hang up, call back in two days..Still no dispute filed..I email the ceo and someone calls files the dispute but I have to wait 10 days for a resolution, I have already waited two weeks, I explain my paycheck will come in and a bill payment and with my account being in the negative it will cause stress to my account and me. My check had to be mailed to avoid this, I still havent received it, my rent is now late, bill payment behind.. I was told when I opened my account by the assttant manager at the branch about overdraft protection and that I should add to my account, which I did. I assumed the overdraft protection would be in place to take care of this.. I speak to someone named XXXX from there executive customer services who proceeded to tell me that overdraft protection is used through what you have in savings and if I wanted true overdraft protection I have to do a credit application.. I would like them to be held accountable for continually lying, I have the calls taped as I am XXXX in one ear and my calls tape and or transcribe.They treated me very poorly in the first transaction.Calling me a liar and acting as if it was a {$4000.00} transaction and it was {$46.00}. and some cents..This bank is mulipulating consumers intentionally.
Company Response:
State: GA
Zip: 30071
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: For some years I had been a member of XXXX and in the fall of last year it was acquired by PNC bank. Part of the information mailed out to me was that I would get a new card among other things for my account, which never happened. As this was a secondary account I had just in case I needed a local bank I didn't think much of it as I didn't need daily access to the account. Fast forward to this summer after I've moved and imagine my shock when I start getting forwarded mail that my bank account has been emptied due to service charges and paper statement fees. My account at BBVA had no minimum balance required to avoid service charges, nor was it set up to send me paper statements. It's awfully predatory to acquire a bank that provides free checking and then switch all those customers over to a product that requires a non-trivial balance and then start stealing their money without sending explicitly worded letters and an easy way for them to close their accounts. The best part now is I can't even easily access the small pittance of money PNC has left me because after calling them on XX/XX/XXXX they somehow can't give me access to my account and now I'm left in limbo waiting to hear from them before I can take any further steps. I don't want to, nor have I ever wanted to bank with PNC, at this point I just want them to return the money they have stolen from me ( it's disingenuous to call this anything other than theft when they actively pursued and acquired a bank with no minimum balance and then switch everyone over to paying service charges without any other easy option ) and close my account. I fear without making this complaint I will keep getting the run around ( they couldn't even get my access to my account when I called ) and they will try to hide behind the fact that they sent out generalized mass mailers when the acquisition of BBVA occurred despite this mass mailers having little, if any directly actionable information ( how can I log into my PNC account without the PIN or debit card they said they would send? ). Let me reiterate, the average banker expects their accounts to stay the same even through an acquisition, not to suddenly start being charged fees that weren't even a possibility when they first signed up for the account. How this is considered an acceptable or legal practice to acquire smaller banks and start fleecing it's customers for thousands is unbelievable.
Company Response:
State: OR
Zip: 97302
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A