Date Received: 2022-04-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To Whom it may concern My name is XXXX XXXX, and I am writing to thank you for working with me during a time of hardship which occurred while I held a credit card with your company. I have XXXX son who is XXXX, and another who is XXXX. For a period, our family struggled to balance mounting costs associated with my sons ' conditions. In addition, my wife had to drop from working full time to part time in order to provide additional support for them. Our family made several difficult decisions which included selling our home, and moving out of state so I could accept a job with a higher salary in order to be able to pay for and provide them with the services which they require. The period of XXXX was a humbling time in particular as I watched my expenses rise to a level where I had difficulty making all of my payments for my obligations on time. Until then, I had never missed a payment on a credit obligation in my life, including during the 10 previous years in which I held this card. It was during this difficult period that PNC Credit Card Services charged-off my account. I am happy to report that over the last 3+ years, our financial situation has stabilized. I have not missed a payment on any open account. I have diligently worked to resolve any outstanding debts as well. Recently, the home which we had been renting was unexpectedly sold, and we are now forced to quickly find a new residence. As stability is vital for children with special needs, we are attempting to buy our next home. However, it has come to my attention that the late payments and charge-off from this PNC Credit Card account has lowered my credit score to a level which makes it impossible for us to obtain a mortgage. Therefore, I am humbly requesting that PNC remove this account from my credit report, or report " no data ''. I ask for this gesture of goodwill based upon our family 's circumstances. Further, I stress that I take my financial obligations seriously. This can be seen by the fact that I have resolved all outstanding financial matters which I incurred during those years. PNC has an outstanding reputation of caring for its customers, and doing the right thing. I humbly ask that you consider my request which would greatly help our family. I am just a father doing his best to provide for his children, XXXXXXXX XXXX which require care beyond that of a typical peer. I am happy to further answer any questions you may have and provide additional documentation if needed. Thank you for your time and consideration XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 32137
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Since XX/XX/2021 I have mulity transactions that have been triple by the amounts and serve conversations and corporate calls to the Financial institution. Apparatus they really do not care. When my credit card was issused a pre paid one, it took over 1 1/2 months to receive. THEN the day I was told by XXXX the Assistant Manger of the bank when I was standing right there in front of her. I heard the whole conversation to the credit card processing company that it would be 5 to 10 bussiness days for me to receive which it was a month and half went by. Then I recied a phone call from that same branch from XXXX the bank Manger that my Credit card was there and I walked in to retrieve it and get it valivaed, and I was handed the envelope open and I was told it was active. My question WHO VALIVATED MY CREDIT CARD??? NO BODY IS ON MY ACCOUNT AND NEVER HAS BEEN. THERE IS MONEY MISSING AND IF YOU ADD UP MY DEPOSITS YOU WILL SEE IT DOES NOT EVEN COME CLOSE TO WHAT THE BALANCE IS??? HOW IS THIS EVEN LEGAL??? PLEASE HELP WITH THIS I AM A AMERICAN CITIZENS IN AMERICA. RIGHT???
Company Response:
State: TX
Zip: 75067
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I opened a business checking account with PNC BANK on XXXX EIN- XXXX. My business didn't do well. They started charging me {$10.00} fees every month. They called it maintenance fees. Moving forward I went to close the account on XXXX inside the branch. The attendant gave me the remaining balance and told me she couldn't close the account due to pending transactions. I asked her before she let me go was there any documents I needed to sign and copies to prove my account is closed. She told me no and I left. When I left a XXXX man came in with a briefcase and walked right in as I was leaving. I remember it like it was yesterday. She would call me and notify me when the account is closed. She called me and told me the account was closed. FDIC rules and regulations upon closing an account your suppose to provide me with my last bank statements, sign a closing account form to make it official and give me disclosures. Of which it never happened. I am grateful I printed out bank statements of my account and I have evidence. Today on XXXX I went to the branch I asked to speak to a supervisor. I went in the office and she begun to make phone calls to antagonize me and intimidate me and pretend she was confused that I didn't know what I was talking about. I told her I want my bank statement and the account closing form I was suppose to receive and she refused to give it to me. She then showed me my account and told me my account balance was on {$0.00} when I closed the account and stated there was no forms I was suppose to be given. They are lying and trying to cover up information of a money laundering scheme going on with my bank account. i don't want one day to have the government at my door due to an account i thought I closed and technically I didn't when the bank is the one in charge of this fraudulent scam. I can only imagine how many people who think they closed accounts and they are still active because of this bank taking advantage of certain demographics of individuals in certain zip codes who aren't aware or don't know the laws or rules and regulations to see these things are happening. I almost didn't see it and they could've gotten away with this if I wouldn't have done my research. If someone can please please investigate on this matter. I am exhausting all my chain of commands until something is done. This is illegal and it should not be happening. Thanks In Advance, XXXX XXXX
Company Response:
State: MD
Zip: 21220
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
Issue: Overdraft, savings, or rewards features
Subissue:
Consumer Complaint: Ive already filed a complaint Against PNC recently in regards to this particular issue. I currently have a pending complaint awaiting response from PNC about my submission surrounding the controversy of my complaint. I however Would like to submit documentation on behalf of my dispute. Upon going over my statements leading up to the Date of XX/XX/2021 Ive come to notice the information provided on my statement from PNC doesnt correspond with the information I have on my account with XXXX The statement Dates and amounts are inaccurate as if theyve manipulated the system to Match their fraudulent actions with XXXX however you are unable to delete any Cash Transfer Received cash deposit or Added cash transfer from your bank to XXXX PNC Has overcharged me an excessive amount of overdraft fees for money I had available in my account to spend and make purchases When I spoke with a representative about it she said its because I didnt have the available funds during the time of my transactions which is a lie Ive had well over enough funds they wiped out my savings and checkings for overdraft fees that were inaccurate basically stole my funds
Company Response:
State: FL
Zip: 33612
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-16
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Back in XX/XX/2022 Pnc bank contacted me to tell me there were closing my account and it would be closed by XXXX XXXX and that I would be receiving a check with my balance. I have called multiple times to get answers on why they havent closed it. I have over XXXX sitting and its been over 4 months since they held my funds and wont close the account after they said they would. It is a crazy time with Covid why would you be holding my money for so long. I have spoke to multiple ppl only for them to say they will escalate it and the escalation person doesnt give me answers either. I need my money. Now.
Company Response:
State: NV
Zip: 89502
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-16
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/XXXX, I opened an acct with PNC bank based on its promotion that I would receive {$400.00} bonus. After opening the acct online, I called the bank and a male rep confirmed that I was eligible for the bonus and the bonus would arrive in a few months. However, the bonus did not arrive. In the phone call on XX/XX/XXXX, female rep said that there was a 24 months bonus requirement. I had no idea about the requirement when opening the acct. The male rep did not mention the requirement and confirmed my eligibility for the bonus. The female rep can not find the requirement to show me. The {$5000.00} deposit was a direct deposit income from my employer ACCT via another bank. I request PNC bank to keep its promise and give me the {$400.00}.
Company Response:
State: IL
Zip: 60504
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am the XXXX XXXX XXXX XXXX XXXX XXXX owned by a long time client. I was in a series of emails regarding depositing funds and requested the account number to make a deposit to a partner on XX/XX/2022. Someone posing as my client and his partner interposed and emailed instructing me to deposit into an account in the name of XXXX XXXX, account number XXXX at PNC Bank. All the information and emails looked legitimate. The check was drawn on the XXXX XXXX XXXX. I filed a claim at the XXXX XXXX XXXX as instructed by the bank. PNC has refused to accept a complaint from me or my lawyer. I have filed with the XXXX Police, the FBI and the FTC but have not heard back. I have been informed by lawyers that PNC was an instrument in the fraud and may have been in violation of the Money Laundering Control Act " Know Your Customer '' policy.
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: PNCs takeover of BBVA Compass has been a nightmare for our family. Its also been terrible for our business ( payroll for almost XXXX people! ) but I will stick to our personal banking situation. Our debit cards do not reliably work for transactions in person, online, or for ATM withdrawals. Weve resorted to always carrying an XXXX XXXX card with us at all times. Weve had major and minor transactions declined and feel as though our money is held hostage by PNC. In conversations with various retailers at the point of sale they say that they hear complaints about PNC all the time. I handed my card to a gas station attendant a few moments ago and she said oh I hate this bank.
Company Response:
State: TX
Zip: 78703
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I alerted PNC bank representatives of suspicious mail correspondence from PNC bank demanding information I already provided in person to establish my PNC account from XX/XX/2021 to approximately XX/XX/2021. I received multiple PNC bank correspondence demanding disclosure of my personally identifiable information ( PII ). The PNC correspondence threatened my account would be closed ( AGAIN ) if I did not provide the information : The PNC Bank Notice Cited law : Section 326 of the USA Patriot Act to obtain records and directed me to disclose/verify the following ; My legal name, Residential address, Social security number, Date of Birth, Citizenship Status, and Government Issued Identification. I reported the suspicious activity to financial institutions, law enforcement, and investigative authorities at the local, state, and federal levels. I reviewed my records and checked for fraudulent activity and had to subsequently close multiple accounts. I contacted the credit bureaus and confirmed their was a data spill.I reported personal documents missing to law enforcement. I resubmitted payments because my transactions ( XXXX Car Payments ) appeared to disappear from my transaction ledger with PNC bank. I review my transactions with PNC Bank representatives in person at a PNC Bank. The USPS correspondence from PNC Bank stated " Please contact us [ PNC Bank ] at XXXX ( XXXX -- this number does not appear to be PNC bank ) to verify the accuracy of our records within 10 business days of the date on this notice. If you do not respond to this request within 10 business days of the date of this notice, your account ( s ) will be closed '' BACKGROUND : According to PNC Bank 's customer agreement : Customers are responsible for providing true, accurate and complete contact information, including a valid address ( postal OR email ). Customers are responsible to promptly notify the bank of a change of address by postal mail, electronic mail, in person, by phone or through On Line Banking. According to the customer agreement/disclosure PNC Bank is NOT responsible for investigating whether or not the customer changed contact information. This is the 2nd letter I have received from PNC bank threatening to close my account. I have provided true, accurate, and complete contact information to institutions from the onset of business agreements. The local, state, and federal Government to include the United States Postal Services, and other financial institutions recognize my address to be true, accurate, and complete. The excessive requests for " verification '' subsequent to providing all the information required to open the account at PNC bank is unreasonable, unnecessary, and unwarranted. If there is something that is causing the repeated demands to disclose and " verify '' my personally identifying information ( PII ) with PNC Bank, the reason ( s ) must be specified with the customers, otherwise, I consider these practices unreasonable and unnecessary harassment to push me to close my account with PNC Bank. I have already informed PNC bank representatives as well as local, state and federal authorities of suspicious/criminal activity, targeting, and confirmed a data spill involving my personally identifiable information ( PII ).
Company Response:
State: FL
Zip: 33181
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I applied and was accepted by PNC bank for HELOC. When I am ready to draw the funds from the HELOC they will not honor the rate shown on PNC 's official website calculator. The PNC customer services state the rate shown on their website is for new customers only and since my application has been approved, I am no longer a new customer. I felt they use the bait and switch method to get clients to sign up and then not offer them the best interest rate as advertised. PNC is not being transparent and upfront about their rate and did not disclose all the proper important information to their employee and their client. When I spoke with PNC bankers who specialized in HELOC, they were not aware of the difference rate between new and old clients. I just sign up for HELOC and have not drawn from the account yet so I should be considered to be a new client. From the date, my application was approved to today PNC is never upfront and transparent about the monthly payment, they want me to draw from the fund and finish the paperwork then wait one month later then I will be able to know the monthly payment. I signed up for a {$700000.00} HELOC on XX/XX/2022. PNC never disclose to me that the best interest rate is on the day of my signature which is the one and only day PNC will consider me as a new client. I have to learn that the hard way and this is something PNC local branch staff is not even aware of.
Company Response:
State: NY
Zip: 11229
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A