Date Received: 2022-03-16
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: This is an additional complaint adding to a previous complaint : COMPLAINT ID XXXX " After reviewing my year-end statement I noticed that PNC has charged me over four thousand dollars in overdraft fees .... '' On XXXX - Spoke to a representative in regards to my complaint. At this time PNC bank has not satisfactorily resolved the issue. Went as far as not acknowledging that my first attempt of requesting help ended up in their rep stating " They can not give a refund because one was given previously ''. At this point, it is not a refund but in fact, them returning money they unrightfully took from my account. I think sincerely believe they are making every attempt to dodge this complaint and respond back in such a way that drags on. It leaves consumers no option but to obtain legal counsel.
Company Response:
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2022-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was staying in an extended stay hotel in XXXX XXXX called the XXXX XXXX On XX/XX/XXXX I went to the office to pay my rent and was told by the manager she couldn't take it because they were waiting on the health department. Then later that day I get a text from the manager of the hotel saying that we have to move and be out by noon on the fourth as they are going to remodel. So we were out on the fourth of XXXX. Then on the fifth of XXXX I check my bank balance and there were XXXX charges I didn't have any knowledge of total was {$640.00} I called my bank to find out that XXXX XXXX XXXX had charged my debit card they had on file for those charges of {$640.00} and I had no knowledge they were doing it what it was for or my approval as we was already gone. I called my bank PNC to report fraud and they were the ones that said the charges were from XXXXXXXX XXXX XXXX. I explained the deal to the customer service representative to be told it's obviously fraud and they issued my a temporary credit. Well I get a letter today XX/XX/XXXX from PNC bank saying their investigation said no error occured and they are taking out the {$640.00} out of my bank account on XX/XX/XXXX. I don't know how they can come up with that determination when I was already out of the hotel didn't owe any bank rent and didn't have no knowledge they were taking out that money or what it was for and I sure didn't give them authority to do it they did it all on their own using my debit card they had on file this is so wrong and very stressful I am on limited income and don't have the money to give to XXXX XXXX XXXX and not even knowing what it's for so wrong or having my authorization to do it talk about fraud big time and I have filed a police report
Company Response:
State: MO
Zip: 65616
Submitted Via: Web
Date Sent: 2022-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have mortgage loan with PNC bank. My home value is appreciated and the current LTV ratio is less than 75 %. I requested PMI deletion with PNC and submitted cheque for BPO. My request is turned down repeatedly after many follow ups. Many of my friends whom I know had mortgage with other banks similar to my situation were able to delete PMI successfully. Please help.
Company Response:
State: AZ
Zip: 85085
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have put fraud alert on XX/XX/XXXX after I notice there are several inquiries and one personal loan from PNC Bank was showing under my credit profile. I have called PNC on XX/XX/XXXX and XX/XX/XXXX. PNC bank representative said they will investigate and will inform me regarding this issue. But they have never responded. After this I have sent PNC bank several letters via certified mail ( which I do have proof ) to correct this information that is being reported to all three major CRAs but still they never responded. I have also contacted all three CRA 's regarding this issue but still no resolution. I really need your help to resolve this issue and to remove delegatory information from credit profile. I have also reported to FTC ( Report # XXXX ) regarding this matter. Regards, XXXX XXXX
Company Response:
State: TX
Zip: 78754
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello, Im writing you today to challenge the below reference account that have been placed on my credit report in erroneous, after looking over my credit report profile I noticed a few personal details about this account that doesnt appear as accurate on my credit profile, at your earliest convenience Im requesting that you delete this information and remove it off my credit profile for which its been holding me back from reaching my goals and also causing denial for credit opportunity imposing a harsh image on my credit profile, below I listed the personal identifiers thats associated with this erreronusly account under the FCRA Law I have a right as a consumer to delete any information that doesnt appear to be 100 % accurate and I have found inaccuracy in this reporting, I have reached out to the direct furnisher Multiple times since XXXX XXXX up until now XXXX I have USPS receipts as well ( see proof of receipts attached ) trying to get the best satisfactory resolution for this matter unfortunately I havent been successful, I under circumstances I have even got told this information can no longer be reinvestigated which is disturbing as a customer I feel my rights have been violated not only by PNC Bank, but also the XXXX who allowed this furnisher to continue reporting this inaccuracy. Every time I file a dispute to the XXXX they allow them to modify the information listed on the loan which is insane! This account had been deleted from my equifax report ( see proof attached to this complaint ) recently in the past so Im confused as to why the other Reporting bureaus continue to allow this erroneous account to be reported, unfortunately it stills appear on XXXX of my Report, so how can you say this information is valid if it doesnt appear on all 3 Credit Bureau reports, not only is that jeopardizing the integrity of my credit but its also putting my credit at great risk I want to know who this account belong to. this is VIOLATING MY RIGHT AS A CONSUMER AND IM ASKING THAT YOU REMOVE THIS ACCOUNT OFF MY CREDIT REPORT Thanks. Acctn : XXXX Name of account holder - XXXX XXXX/ please remove Address of account holder- XXXX XXXX XXXX XXXX XXXX XXXX , Oh XXXX. Never been affiliated with this residence -please remove Phone number associated with the account XXXX never been associated with this phone number /please remove The above referenced information is what is affiliated with the account I have no acknowledgment of nor do any of the information reflect on my credit report as accurate, as a consumer I'm asking at your earliest convenience to remove this account off my report and send me an updated status of the removal thanks in advance.
Company Response:
State: OH
Zip: 44011
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Contacted XXXX to remove PNC Bank inquiry from my credit report. The inquiry was made on XXXX2020. This was not made by me. XXXX customer service failed to take action. I also called PNC Bank to get it removed and they did nothing.
Company Response:
State: IN
Zip: 46307
Submitted Via: Web
Date Sent: 2022-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: To : XXXX. XXXX XXXX XXXX - We were notified the first few weeks in XXXX that our mortgage was being purchased by Pnc Bank XXXX XXXX. XXXX. No sooner had the ink dried, we received a letter dated XXXX. XXXX stating that we were behind on our payment and we could lose our home. We called and were told that we owed for XXXX XXXX. We received a letter dated XXXX stating that {$300.00} was going to be taken from our mortgage payment. Then, the bombshell letter also dated XXXX. XXXX, came which was a replica of the letters we had been receiving from XXXX XXXX - stating lies upon lies, refusing our XXXX XXXX, applying our mortgage payments to pay attornety fees, to pay for forced placed escrow ins. and to pay your illegal interest/fees- always threathening us with foreclosure. Now, we understand! Pnc Bank and XXXX XXXX are one and the same. Under your direction, Pnc will not accept our XXXX XXXX. XXXX and XXXX 's proof of our payment ( s ) to XXXX. Under your direction, will not accept our mortgage payments from XXXX to XXXX XXXX and XXXX XXXX XXXX XXXX 's proof of payments. You are following the same path XXXX XXXX has followed the past four years with us- Always rejecting anything that might impede you from taking our home the easiest and least costly way. Why do you want to illegally take the homes of Seniors and Veterans - This is despicable! On XXXX. XXXX. XXXX, an associate said that a certain associate was assigned our case. We called her that same morning and we received a recording - and here, today, XXXX. XXXX to reach out again, we called and the associate asked us if we would speak to anyone in her office. We said yes. She could not connect with that office and we asked if we could speak to a supervisor/manager and she said that she would have one to call us. A supervisor/manager never did call We did not expect them to call for this is the same proceduure used by XXXX XXXX XXXX We will not allow our home to be stolen by Pnc Bank. PNC bank has already been sued for a similar reason!
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-14
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Our company XXXX XXXX XXXX issued a check to XXXX XXXX XXXX XXXX XXXX for {$3300.00}, on XXXX the check was cashed at a XXXX Bank in XXXX Indiana XXXX XXXXXXXX XXXX XXXX , we were called several weeks later by XXXX XXXX that the payment was past due. We looked into our account and showed proof that it was sent and cashed, they denied ever receiving the check and demanded payment, we paid them again since this was clearly fraud upon looing at the check and felt PNC would get our money back from blatant fraud from the XXXX bank teller who cashed a check made out to a company and " scribbled out the name with a black marker. " 6 MONTHS later '', PNC is still telling us they are at the mercy of XXXX and that there is not timeline on the check repayment from XXXX, XXXX will not communicate to PNC or me on how they let their teller cash this company check that was CLEARLY a fraud transaction. What do I do??
Company Response:
State: IN
Zip: 46203
Submitted Via: Web
Date Sent: 2022-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This a complaint against PNC Mortgage for dual-tracking my mortgage. Stringing me along by dragging out Mortgage Modification while proceeding with a foreclosure sale date.
Company Response:
State: MD
Zip: 21220
Submitted Via: Web
Date Sent: 2022-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I got a notification on XX/XX/2022, that my score has dropped. So I immediately go check to see what it was. There was a missed payment on an account that is not mine. I disputed this account before and it was removed from my credit report. I didn't know it was added back to my report. Nothing was sent to me confirming this account was added back or even proof that this account belongs to me
Company Response:
State: AR
Zip: 72034
Submitted Via: Web
Date Sent: 2022-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A