Date Received: 2022-08-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Hello, I am requesting a special courtesy removal of a delinquency on my credit report from a PNC credit card I held in 2019. Because this was my first time using a credit card and I found myself in an emergency situation, I was suddenly unable to pay my minimum payments on time and incurred a large debt. However, I have since settled the charge off with a third-party collector. Despite this, PNC has refused to remove the negative item from my credit report. I would like PNC to consider the special courtesy removal, especially because during the time I was forced to settle the payment, I lost my home in a fire and had many emergency costs. I have included a letter from the Office of XXXX XXXX in XXXX XXXX DC to verify. Please consider my request for removal given these challenging circumstances. Best, XXXX XXXX
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Hello, I first contacted PNC to dispute a charge on XX/XX/2022. The representative informed me there were several fraudulent charges. I began looking at my account and this has been occurring for more than a year. I've received documentation regarding my disputes : reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've contacted PNC numerous times. I've asked to escalate the call and they always send me to customer service whom does not know any information about my fraud cases and just reads me notes. When I ask a question, it is responded with, I don't know. '' I've also asked to speak to retail support. I've been told numerous times a manager will call me within 24-48 hours. It has been over a week and I have yet to speak with a manager the fraud investigator. I'm requesting detailed accounts of my disputes along with what was fraudulently purchased along with their reasoning. On every letter regarding the disputes is written, " We're here to help. If you have questions or would like to request a copy of the documents we relied on in making our determination, please call us at XXXX. '' I was informed by PNC customer service there are, " no documents, '' to send me. I'm also having this issue with PNC Points credit card. PNC did not close my checking account and after being provided a new debit card I still received fraudulent transactions which made me have to file additional disputes. In addition, PNC is claiming I did not file disputes until XX/XX/2022 which is inaccurate. At this point, I'm frustrated because I have reached out several times to PNC and have received no adequate answers regarding their findings or documentation as to how they came to their decision. Thank you, XXXX XXXX XXXX
Company Response:
State: MI
Zip: 48430
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage was transferred from XXXX XXXX to PNC Bank effective XX/XX/XXXX. I received multiple letters about this. One letter said that the automatic payments I had set up with XXXX would transfer to PNC. On XX/XX/XXXX I called PNC because I was concerned my payment had not come out of my account yet. The person I spoke with told me that the auto withdrawal info had not transferred and that letter was an error but not to worry I would not be charged a late fee I could make a payment online for XXXX which I did. A payment of {$2100.00} came out of my checking account on XX/XX/XXXX. This was from the automatic payment I had with XXXX that I was told would NOT occur. On XX/XX/XXXX a second payment came out of my account for {$1800.00}. This was the payment I set up because I was told the other debit would not happen. I spoke with them today ( XX/XX/XXXX ) and had them cancel the auto payments that I had set up with XXXX. They said nothing would debit from my account in XXXX because I had ( without my consent ) made two payments in XXXX. Is this legal? An expected {$2100.00} out of my account is more than problematic for me and I'm sure any other people it happened to.
Company Response:
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Called PNC Bank in XX/XX/XXXX to have PMI Automatic cancellation per following conditions having been met. When loan principal balance reaches 78 % of the original value of property and are current on your loan payments, with good payment history. This is the 2nd mortgage I have had with PNC Bank since XXXX, 1st mortgage was a 15 year loan paid off in full in 10 years. Current mortgage is a 30 year loan, always paid a month ahead of due date with extra principal added to monthly due amount to have said mortgage paid off ahead of said loan term, just like I have done in the past with PNC Bank. This is why I choose PNC Bank to service my current mortgage needs, because I had satisfactory business relations with them in the past. Under the ( HOPA ) Act of XXXX I believe I have exceeded all eligibility requirements for Automatic Cancellation of PMT.
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: COMPANIES THAT HAD INQUIRED MY CREDIT REPORT XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX PNC BANK XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX
Company Response:
State: NY
Zip: 10583
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: PNC mobile banking reports late and Inaccurate. About the state of funds in accounts when using mobile banking. Yesterday I had XXXX XXXX in my account or so mobile banking said so I went and bought a XXXX XXXX bag of fries that I could make for dinner. Today I woke up to an overdraft of {$11.00} because PNC had not properly updated their app. When I tried to access the app to see what went wrong it was down for repairs again. PNC regularly has their app down for repairs and causes an inability to access important financial data. Ive raised this with PNC multiple times to no avail. Between the low balance alert emails that I received on the XXXX and the XXXX I only made one purchase for no more that {$4.00} we should left you with just less than three dollars in my account. Instead I woke up on the XXXX with an overdraft alert.
Company Response:
State: MD
Zip: 21157
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: So I owed my previous Pnc bank {$150.00} and some changes. I paid them already thru the phone and my bank account was closed on XX/XX/2022. But I still got a warning report that I still owe them money. If I already sorted out everything with my bank account then why am I still unable to open a bank account in other banks? I called my bank and they told me to tell you guys to update the report. I'm so frustrated bout it. Please reply me as soon as possible.
Company Response:
State: NY
Zip: 10472
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been trying to open a short sale on my property since XX/XX/2022. I am been put through a loan modification process that is denied? Since XXXX I have been calling and emailing 100 's of times to see what is going on? Now the bank is saying in another denial - Your loan on the related property has received the maximum number of foreclosure alternative options that are permitted by the assignee or mortgage owner of your loan. They have not allowed any? We will go to foreclosure as they are not willing to help. We have a buyer.
Company Response:
State: NH
Zip: 03038
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/22 and XX/XX/22 PNC Bank {$2500.00} in unauthorized charges total from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$80.00} XXXX {$70.00} XXXX {$60.00} XXXX {$20.00} XXXX {$100.00} Charges disputed ; funds returned to acct on XX/XX/22 and XX/XX/22 in total. Letter received from PNC via USPS mail on XX/XX/22 that dispute was DENIED and funds would be removed from account in 5 days. Funds removed in total on XX/XX/22 leaving acct NEGATIVE and entire paycheck gone. Next paycheck GONE as well to cover negative balance. Attempted MULTIPLE times to contact PNC week of XX/XX/22 with response finally on XX/XX/22 stating that no fraudulent activity was found as the charges came from account matching my name and account number. Nothing could be done. Sorry maam. So much for fraud protection. PNC ALLOWED ME TO BE XXXX
Company Response:
State: PA
Zip: 164XX
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: Asked PNC BANK for replacement payroll card on Friday, XX/XX/2022. Was told it would be sent in 5-7 business days. It is currently Wednesday, XX/XX/XXXX and I have not yet received the replacement payroll card. Tried to contact customer support on Tuesday, XX/XX/XXXX about not having received the replacement payroll card yet, but was sent back to the starting menu by the support agent instead of receiving help. I have not been able to use my last 2 paychecks. Currently only have the old deactivated card.
Company Response:
State: OH
Zip: 44202
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A