Date Received: 2022-03-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have been trying to resolve this issue with PNC in regards to my mortgage and they have been unable to assist me with the matter. I have been on time with my payments and the late payments are reporting inaccurately and should be removed from my credit report. PNC also has the payment status reporting inaccurately. They have me listed as Late 120 and Late 150 days when the balance is at {$0.00}. I have been educated about this and it is an infraction and is an FCRA violation!! This needs to be adjusted immediately.
Company Response:
State: CO
Zip: 80027
Submitted Via: Web
Date Sent: 2022-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: My Brother n law located a mini excavator for our farm in Alabama on a website; XXXX XXXX, located in XXXX XXXX Az. He was informed that the equipment was available at the posted price, but, if he was interested, an additional tractor could be shipped at a 10 % discounted price. They agreed on an excavator and a tractor, a price was set, shipping costs as well. An invoice was sent via email containing payment instructions. We were to wire {$21000.00} to PNC Bank, located at XXXX XXXX XXXX XXXX, XXXX XXXX Arizona. Account #, Routing #, and payment reference # included in the invoice comments. My bank checked with PNC, all legit numbers. Money was wired on XX/XX/2022. Once payment was sent, and received, a confirmation email was sent, shipment details as well. First date came and went, the driver was said to have covid and could n't drive. Next date set, an ice storm on interstate, can't deliver. Next set date, no excuse, but did offer a refund of our shipping fee. Next date, no equipment, I started another search online and found several other individuals that been scammed, or almost scammed out of their money. I have since filed a report with the FBI, FTC, my bank, alerted PNC, and finally here. We have all emails sent and received, invoice and copy of wire transfer.
Company Response:
State: AL
Zip: 362XX
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: So based on my online statements the fraud initially started around XX/XX/XXXX, in a form of payment to an account in XXXX in the amount of {$100.00}, also for the same amount on XX/XX/XXXX, on XX/XX/XXXX there were 3 fraudulent charges, two to XXXX XXXX which amounted in {$350.00} and then the XXXX to XXXX on the XXXX it was another XXXX to XXXX. It continues with a total of {$650.00} made to XXXX which I have no account to. Throughout XXXX the increments continued to get larger from {$100.00} to {$250.00} to {$500.00} until I had under the threshold in my bank. That is when my bank alerted me that something was wrong which was on XX/XX/XXXX when the fraud took over $ XXXX out of my account. the bank said they denied my dispute because I have a history with XXXX but I continue to tell them that it wasn't me. I believe the deposits from XXXX were intended to keep me from being aware of what was going on in my account. There were two separate deposits one for 1k and another for {$900.00} To this point, nothing was flagged or deemed suspicious to my bank 's eye, which is PNC. I also take part responsibility for not checking in on my account on a daily but I feel like my bank should alert me of suspicious activity on my account instead of alerting me when my account is under the threshold. That's the only reason I would have found out and done the dispute. The bank is telling me I am responsible but never alerted me of anything suspicious. I think PNC is a good bank and I didn't want to have to go this route but I was left with no other option. I hope all is continued once this gets settled, I'd like to stay with the bank.
Company Response:
State: PA
Zip: 19050
Submitted Via: Web
Date Sent: 2022-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-12
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: PNCs appraiser used comps not comparable and gave my house three bedrooms, but my house is being taxed by DC as a four bedrooms. PNC referred me to a person who called once at XXXXXXXX XXXX on a Monday morning and has not picked up a single call since and will not return my messages. My concern is that by undervaluing my home, Im paying more PMI, and that might not even be necessary at this point.
Company Response:
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2022-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Our mortgage loan was bought by PNC XXXX years ago. After paying {$5100.00} towards my mortgage balance of {$5100.00} I have through PNC, Statements show I still owe {$380.00}. After discussing this with several PNC representatives, no-one seems to know what the XXXX dollars is for except that I need to pay it. My calculations show I owe PNC XXXX XXXX. I worked very hard and made so many sacrifices to get to this point. Please assist.
Company Response: Company believes the complaint provided an opportunity to answer consumer's questions
State: IN
Zip: 46256
Submitted Via: Web
Date Sent: 2022-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX Phone : XXXX RE : PNC Bank Freezing my account for 30 days I was notified on XX/XX/2022, that my account was frozen for suspected scam. I was ask by a friend to accept XXXX funds and then buy bit coin and send it on to her. I have know this person for 4 years and trust her. One of the people that sent funds contacted me and said they had been scammed. I offered to return their money, but she must have filed a complaint. The major problem of this situation is the uncaring inhumane policy of PNC Bank. In freezing my account they will not let me access any funds from an ATM. They also will not let me pay my bills such as utilities, taxes, credit cards, and buy medication such as XXXX XXXX until after XX/XX/XXXX. I contacted PNC Bank by phone and was told the above and I would just have to wait until XX/XX/XXXX to do anything. They said an investigator would be contacting me but I have not heard from anyone in the last 16 days. Each person I talked to said nothing could be done to unfreeze my account until XX/XX/XXXX and it could even take 90 days. I feel this is totally unfair when I made an honest mistake thinking I was helping someone. I now have {$34.00} in my pocket to last me until XX/XX/XXXX or beyond to buy food, gas, necessities and mediation. I have been out of XXXX XXXX medication for almost a week. On Friday, XX/XX/2022, I was told PNC was closing my account. I ask when I would be able to get my funds and the branch manager told me he had no idea. That another department would take care of that. The manager has filed complaints on my behalf but still no one has contacted me. I would like to have PNC Bank to remove the freeze on my account since I provided one representative all the information of how this situation came about. I take full responsibility for my mistake and will be glad to make restitution to many one that was harmed in this situation. At this point I would like to have my {$8000.00} plus money as soon as possible since this has become a medical emergency and they do not care about me.
Company Response:
State: PA
Zip: 19380
Submitted Via: Web
Date Sent: 2022-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: The credits are not being applied on my account. On XX/XX/XXXX, I made a return and I should get back 80 dollars. I see it on my statement as green as in credited but it isnt in my account. I had a 23 dollar return credit work out the same way. I showed as credited but wasnt actually in my account. Im not sure where my money is located but its not back with me like it should be. This is a new complaint for a new issue. Not a repeat complaint.
Company Response:
State: MD
Zip: 21740
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2022 I wired the down payment for the purchase of a home to PNC Bank in the amount of {$77000.00}. It was discovered that fraudulent wire instructions sent via email were used on XX/XX/2022 when my husband and I were signing closing documents at the title company, Fidelity XXXX XXXX. That evening I submitted an IC3 Complaint Referral Form to the FBI and was told by the escrow officer on XX/XX/2022 that the FBI had contacted PNC Bank and put a freeze on the account. I also submitted a wire recall claim with the originating bank on XX/XX/2022, XXXX XXXX, and there is an ongoing investigation at this time. I also contacted a live person at PNC Bank but was told that they couldn't give me any information. In my conversations with XXXX XXXX, the originating bank, I've been told that all of the requirements to PNC Bank have been met however we still have not received any of the funds back.
Company Response:
State: OR
Zip: 97303
Submitted Via: Web
Date Sent: 2022-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Hi, I applied for a Heloc for the amount of {>= $1,000,000} with PNC bank in XX/XX/XXXX. I was told the process would take around 45 to 60 days. Previously, I had a Heloc with PNC bank that I paid off in a few months. My expectation was everything would be the same since my credit rating is better and my bank is PNC bank. I was going to use the money to pay off some of my credit cards. Since I applied for the loan, I have pay off half of my credit cards, and I provided all the documents to the bank. I feel like I have been discriminated based on my previous loan which was back in summer of XXXX. My credit rating is much better and PNC should have access to my soft credit report since I am their own customer. My financial hasn't been change, my assets our stronger and my credit rating is better. I also have a better job since XX/XX/XXXX. I applied for the loan in XX/XX/XXXX and now is XXXX XXXX a lot has changed since I applied for the loan. I tried to escalate the matter internal but I haven't been successful. ordinary people such as me apply for a loan to pay down their debt and access to the capital shouldn't be monopoly only to a certain group of people. Thanks
Company Response:
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: his has been going on for some months PNC has alloweed me to lose over {$2500.00} in disputes that they failed to even attempt to retrieve my assets. I returned items back to XXXX with Pnc approval they would retieve my funds if XXXX does not cooperate. But they have have used every opportunity they could to give me excuses as to why they didnt even attempt to get my money back. I have faxed the documents to their claims department which has cost me {$2.00} per fax over {$100.00} in fax that they seem to claim they never receive. The XXXX for Pnc XXXX XXXX XXXX had me email all 20 documents to her 2 months ago and she stated she would email them to the correct department, and she stated she emailed them to that department a month later, in which each time I call and speak with a CSR they state or a letter is sent to me stating she has not sent over that information. But I done my job 2 months ago by retrieiving the information they needed and all I ever got from PNC was excuses 120 days later when the claim should be complete I receive letters stating either " I need to talk to the merchant directly '' or " my claim is now to late to be filed '' in which when i filed the claim that wasnt an issue now after they have wasted 120 days pointing the finger at one another these 2 departments are getting a check for nothing cause they aint worth a dime of my money, and I have to write agencies to attempt to get you to mediate a situation not knowing if XXXX WILL waste my time and money just as the bank has by hold times, agents transferring me to wrong departments, and agents deliberatley hanging on me after being on extensive hold times ... not giving a care in the world to the customer. i have XXXX claims PNC will not help me get my money back on and what kind of bank says in their policy that a temp credit will be given if the claim will go over 10 days a temporary credit will be issued, but it never happens they will then turn around and send out letter since it going ove the 10 daya temp credit will not be issued that was the reason chose PnC for situatons like this and they go against thier own policy.. XXXX XXXX claims XXXX stole my money and they got their item back closed my account and did not refund my bank card I have sent the tracking number the information abou each return but PNC refuses XXXX dispute it with them they act like XXXX owns them and I dont know what to do when a my bank does not abide by thier own policy from the no temporary credit after 10 days to after having a dispute for 120 days they turn around and tell me I need to contact the merchant or they say its now to late for them to get my money but they allowed the claim to get filed for those 120 plus days ... .I need my money because when my check goes into that account they get my money before me funding them and when i need help im now the enemy no Im tired of the lies and I need either them to pay what was taken from me or they need to be fined and sued, cause im tired of them using me taking advantange of me and allowing XXXX to they acting as if they are they are working not to help their customers more than they show they are trying to help us ... claims they say I need to contact the merchant after they allowed me to dipute them for 120 days all were XXXX last XXXX digits XXXX each XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, all these claims were items that were returned to XXXX and they would not refund my bank account XXXX kept my items and my money problaby converted to their money/gift card then pay pnc not to dispute it ... XXXX.thats they way it looks attached will be proof XXXX did not refund me and they kept my returns closed my account, and resold my returns I want my money they owe either Pnc or XXXX... but if it is XXXXnsurance on my money then they need to send refund my accound..
Company Response:
State: SC
Zip: 29611
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A