Date Received: 2022-03-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XXXX we received an email from our Credit monitoring service that an account with PNC Bank that we just had pay them off on XX/XX/2022 that the account was 60 days past due, when in fact we have not been late on the account in over one years. We called the Company right away and told the rep. what just happen, and he was unable to help us, he just stated that we have to dispute the entry. This account was purchase from XXXX bank and since they purchase the account over a year ago, we have not been late. It is unfair for PNC to report something that is not true and make it seems like it just happened recently when it did not. By them reporting the way they do it took our credit report down XXXX points. Below are the statements for payments in the last year
Company Response:
State: AZ
Zip: 85138
Submitted Via: Web
Date Sent: 2022-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I made a payment and it was confirmed and they pnc bank said 2 days later payment did not go through so they put it in collections and reported it to the credit reporting agencies hurting my credit and I ask them to remove from credit reporting agencies they denied. I put in the right information to the automated system and it confirmed it. Everything was recorded per our conversations with 3 of their agents. I need a 3rd party to judge this case. They are unreasonable.
Company Response:
State: TX
Zip: 75051
Submitted Via: Web
Date Sent: 2022-03-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX my checking acct at pnc of XXXX was hacked and unauthorized charges begin coming out of my acct from XXXX. I do not own an XXXX nor have I ever. This wasn't caught by me until I received a low threshold balance on XX/XX/XXXX. Called the bank and many disputes had to be done because it was so many different charges from XXXX. Told me up to 10 days. On XX/XX/XXXX they took all money they did a refund which wasn't but XXXX dollars was TAKEN BACK OF OUT MY ACCT and I was denied. Didn't tell me why but said sounded as if all charges weren't reported considering the lady I spoke with over phone the day prior argued me down XXXX returned {$360.00} and it had been fixed and closed. That is along way from XXXX. She didn't seem to comprehend! I Was transferred and assured ALL CHARGES WOULD BE DISPUTED AND NOW I have to wait for another 10 to 20 days. Meanwhile, I have payments bouncing everywhere. The next thing I got was yet ANOTHER DENIAL LETTER. I added up what they disputed and what was charged... NOT the same total. No reason why. I've called stayed on hold to be disconnected after 2 and 3 hours! I called XXXX was informed without an original debit card they couldn't even look at it! The card was cut up and replaced on XX/XX/XXXX! Called the local branch a banker promised to look into yesterday and NEVER HEARD BACK! IM a single parent that lives paycheck to paycheck! I'm in bankruptcy and now I've been robbed of a whole check and PNC bank refuses to give me my money back. Is it my fault their employees can't do their job? If the case was they didn't get all charges filed so looks as if I did do some but not all? I have piles of late fees bounced fees and late on my bankruptcy and Nobody can tell me why I can't get my money back! It's been OVER A MONTH AND IM fixing to lose transportation to get my kids to school over something some XXXX XXXX XXXX has done. I do NOT at this point feel comfortable uploading any of my documents online anywhere. I do have all of them!
Company Response:
State: NC
Zip: 27537
Submitted Via: Web
Date Sent: 2022-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-05
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX, a transfer was initiated from myself to my husband for our aniversary via XXXX of over {$700.00}. That same day, my husband notified me that our PNC account was overdrawn. The money from the 3rd party was sent to an old account by mistake. I called customer service, same day, to request the funds be transferred from our old, 'closed ' account to our current account. I was then told I needed to speak to the acceptance department and they'd be able to make the transfer. Upon speaking with acceptance, they advised me to go into my local branch and request a bank manager to contact the XXXX department and they'd be able to make the transfer. My husband went into the branch on XX/XX/XXXX to speak to a manager, as directed. Upon entry, he went to a teller to inform them he needed to speak with a manager. While at desk, he noticed the teller typing an extremely long message, without asking for identification. He overheard the manager state she didnt have time she was late for her vacation, while speaking to someone else that came in after my husband. After about 30 minutes of waiting, another rep approached in the lobby and asked to assist. He began explaining the situation and she became hostile and argumentative, advising she doesn't make mistakes and it is our fault. She never attempted to look into the accounts. She demanded my husband leave the bank because they were unable to assist. All of this in the lobby in front of everyone. Nor did we contact XXXX as advised the day before. He is distraught as we've been banking with PNC for over 3 years and to be profiled, discriminated against and disrespected in the middle of the lobby in front of our daughter is beyond wrong. On XX/XX/XXXX, I called PNC bank again to inquire about the funds. I was told at that time the funds were rejected on XX/XX/XXXX and I should receive back in the XXXX by XX/XX/XXXX or XX/XX/XXXX. On XX/XX/XXXX, I contacted PNC bank to advise XXXX has no record of the funds being returned. I spoke with acceptance department, they stated I needed to speak with customer service, which they transferred me to. Upon explaining the situation to customer service, they stated I needed to speak with acceptance, which I was transferred back to. I explained a third time the issue and asked the rep in acceptance if she could stay on the line with me to help get the issue resolved, she instead transferred me to another department, failing to tell me to whom I was being transferred to. The last rep I spoke to was the most helpful as she atleast attempted to fix the issue. However, she stated pnc did not have the money and it was sent to XXXX. XXXX confirmed they did not have the funds and any returns to them are made available immediately. I was on the phone with PNC for over 2 hours to no avail. On XX/XX/XXXX, my husband left work and went into the branch to dig in more. This visit is recorded. He was again met with profiling while explaining the situation in a calm manner, was told to calm down. In the video it is obvious he is nervous as he is constantly shaking and can not sit still. For us, unfortunately, when one race tells another to calm down, and there's no hostility, it's usually met with more fearful, discriminatory actions. She proceeded to say we should have asked the bank to transfer funds when the error initially occurred, which we did several times. She also states in the video that the account and debit cards attached to the old account should not have been active as we requested them to be closed in XX/XX/XXXX due to a scam through PNC. I was told that someone would be contacting me to discuss this matter. I have yet to speak with anyone. The money was finally transferred to the current account. However, this has gone far beyond the back and forth between departments. We feel the bank has failed us in all aspects. To be customers and be treated as if we or our business does not matter shows horrible customer service and lack of appreciation for business. My husband was belittled in front of the entire bank and our daughter! Humiliating! We are in the process of seeking legal counsel.
Company Response:
State: IN
Zip: 46254
Submitted Via: Web
Date Sent: 2022-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-05
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I was notified by PNC bank that a charge of {$0.00} was made against my PNC Rewards Card by PNC Fraud Alert. I immediately responded that this was an unauthorized charge, to cancel my card, and to please send me a new one. I received the new card, but noticed that my credit limit had dropped from {$15000.00} to just {$2000.00}. When I called on XXXX to find out what was going on, I was informed that PNC had " reevaluated '' my credit and I was only entitled to a {$2000.00} Credit Line on this card. This was done with no warning or notification to me. This {$13000.00} removal from my credit line has become a self-fulling prophecy, as this caused my credit usage percentage to skyrocket, lowering my XXXX score and putting me into a lower credit category and damaging my credit. I have has this {$15000.00} credit line for at least 4 years. I have been working aggressively to lower my Credit Card debt, as XXXX can confirm. Oddly, I recently received a credit line INCREASE on my XXXX card. A cursory look at my Credit Report will find my payment history as exceptional on ALL accounts. There is only one negative entry on my Credit Report, which is a XXXX XXXX account that is not mine, and I have been fighting to have removed for more than a year. PNC 's own records will show that I have never been late with my credit card or car payments, and always pay in excess of the minimum due. I have even been working to pay down the the principal on my car loan, which PNC itself can confirm. So what changed over this month? In XXXX, I turned XXXX. I feel that I have been the victim of Age Discrimination. I have been at the same job for more than 6 years, make well over {$130000.00} a year and am a homeowner, with a mortgage with XXXX XXXX, again, never late, like my car and credit cards, always early and am paying down the principial. In fact, over the last year my Credit has improved. I think it is obvious that this massive reduction in my credit card line is related to my turning retirement age. I do not plan to retire, and because of my expertise in Cyber Security, I am in even greater demand that ever before. I fully expect retaliation from PNC Bank over this complaint. I have one credit card with PNC, and expect that I can see the credit limit on this one decrease as I continue to pay it down, as well as expect the interest rate on my car loan to dramatically increase. To protect myself, I will remove PNC as my direct deposit recipient and open a new account with another institution. I have always had a great relationship with PNC up to this point. I have always recommended them as a great bank of choice, but no more. Sadly, this is not the same PNC bank I have enjoyed a wonderful relationship in the past. I would also like to add that as of this submission, I have still yet to receive ANY formal communication, written or electronic, from PNC regarding this shameful action. It is only by my own diligence that I avoided an over-limit and the subsequent fees involved. Read into that what you may.
Company Response:
State: WI
Zip: 53219
Submitted Via: Web
Date Sent: 2022-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-05
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: PNC included a free safety deposit box with my premium virtual wallet account when I opened my accounts about 15 years ago. This year, they are charging me {$88.00} with a payment due date of XX/XX/22.
Company Response:
State: KY
Zip: 41091
Submitted Via: Web
Date Sent: 2022-03-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My credit score has significantly decreased from over XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX ( an all-time low for me ) due to high credit card use. The root cause of the high credit card balance was an administrative delay by PNC Online Bill Pay. I scheduled a payment on XX/XX/XXXX. I called PNC Customer Support on XX/XX/XXXX because the payment had still not been processed. I was instructed by PNC customer support to immediately stop payment on the XX/XX/XXXX PNC Online Bill Pay payment and pay with a PNC Internal Transfer on XX/XX/XXXX. I was told this would be both the fastest method of payment and reduce the risk of a duplicate payment. I followed these instructions and took these actions. I was told the only way PNC could look into my problem was to write a letter to PNC Bank Consumer Credit Bureau Investigations. I did so on XX/XX/XXXX. PNC left a voicemail on XX/XX/XXXX that PNC would not be contacting the credit bureaus to fix my credit history. This problem impacts me, my wife, and my two sons since we share this credit card.
Company Response:
State: KY
Zip: 41091
Submitted Via: Web
Date Sent: 2022-03-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-05
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XXXX, 2021, PNC bank locked my checking account and removed all my funds in it. They did it because they believed that there were some fraud XXXX XXXXransactions to my account. However, they did not provide me any other information, for example, the exact transaction that they believed was fraud. And when my bank account was closed, there were {$4400.00} in it. According to my own investigation and PNCs response, there were only {$1900.00} of all my funds was claimed, and the rest of them were not claimed by the sender. However, I have contacted PNC from the day my funds were locked till now, and they refused to return my funds without any documented reasons. I just hope to get my funds back since I know that not all the funds were claimed by the sender, and PNC has no right to hold and use my money for any actions.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2022-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-04
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: PNC Bank didn't notify account holder of account closure. Bank card type Prepaid / Cash ( Smart Access ). Account receives Direct Deposit from XXXX, XXXX. Bank declined to disclose particulars to reason for closure. Bank account active since 2018. At this time ; bank balance remains unknown/ not in the account. After bank cleared direct deposit, it resulted in bank closed account. Account holder contacted number provided to this service, although was told " bank reserves the right to terminate relationship at anytime ''. Account older has no funds due to this unexpected closure.
Company Response:
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was trying to purchase a new puppy online from a website called XXXX. However, I never received my dog because it was fraud. The seller continuously communicated with me about the dog and even sent paperwork for me to sign insuring my purchase. I felt that the seller could be trusted so on XX/XX/22 I made the purchase of {$850.00} for the puppy through XXXX. The seller even made me name the reason of payment as " XXXX XXXX '', the name of the puppy. As soon as I was aware of the fraudulent activity I contacted my bank PNC to dispute the transaction. About a week ago, when calling to check on the investigation of my dispute I was informed that my use of XXXX had been terminated. Today I was informed that my dispute claim had been denied because the bank decided that my claim was " false ''. My XXXX should not be turned off, the seller 's should. I have hard evidence proving that my above statements are true and the bank should credit my account. The FDIC has regulations against fraud by wire and this person is in clear violation of them. The website is currently still up and another person could potentially be scammed by them.
Company Response:
State: OH
Zip: 43607
Submitted Via: Web
Date Sent: 2022-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A