Date Received: 2022-02-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: I performed threefinancial transactions using an application provided by PNC Bank usingmy checking account ending with x XXXX. Thethreetransactions totalling to {$2400.00} are : {$100.00} dated XX/XX/XXXX {$1200.00} dated XX/XX/XXXX {$1100.00} dated XX/XX/XXXX 2. These payments weretowards rent ( {$1100.00} from From XXXX XXXX to XXXX XXXX, XXXX ) and security deposit ( {$1300.00} ) for renting of property # XXXX, XXXX XXXX XXXX, XXXX, HI XXXX. 3. It turned out that thereceipient did not send the key for theapartment as promised in theemailand contract ( XXXX is theemail used for bank payment and emailcorrespondence was with XXXX XXXX and cell phone : XXXX ). 4. The transaction did not reach aclosureand it turned out to beafraudulent transaction. 5. XXXX County Policecasereference number:XXXX. FTC Report number:XXXX IC3 FBI Complaint filed on XX/XX/XXXX. 6. PNC Bank denied my dispute request to flag thetransactions as fraudulent but the PNC Bank denied my requests. 7. I earnestly request you to impress on the bank to reversethetransactions and credit my account with thesethreetransactions foratotal of {$2400.00}. 8. Submitted please. XXXX XXXX
Company Response:
State: VA
Zip: 20151
Submitted Via: Web
Date Sent: 2022-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: The creditor XXXX has been reporting false and inaccurate information regarding old student loan debt to all three major credit bureaus. After filing initial claims against their reporting in XXXX, the creditor sent threatening letters stating that payment was due immediately or that I would be sued in court for the debt. When I disputed their claims again they sent a threatening letter demanding that I file a police report regarding my claims or to risk legal repercussions regarding the debt. More recently on XX/XX/XXXX after speaking to the creditors Loan Representatives to dispute their claims and requesting payment and billing information which was refused to me, the creditor is now furnishing even more false and inaccurate information with the three major credit bureaus intentionally to damage my credit standing. One agency as dropped my credit score XXXX points do to the negative/false inaccurate information. The accounts managed by this creditor is closed, but they have recently begun reporting the debts as open and with current missing payments. This reporting status means that the creditor is attempting to collect a debt in direct violation with the Department of Educations Pause on Student Loan collection, which covers defaulted student loans. This is also a violation of the stop collections protections given under the borrowers defense to repayment claim which was filed on this loans by XXXX. The accounts are also listed as charged off but theyre still carrying a balance. This creditor has also violated FCRA and FDCPA consumer protections in their reporting and attempts to collect on the alleged debts. I ask that XXXX be reprimanded for these actions and practices under applicable laws. I also request that this creditor remove all accounts/information regarding this inaccurate debt with all credit bureaus immediately.
Company Response:
State: PA
Zip: 19134
Submitted Via: Web
Date Sent: 2022-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-19
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Basically, I Was Always Following My Payments On XXXX XXXX XXXX XXXX XXXX " PNC BANK '' The XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Had With The Vehicle, They Knew Name Of XXXX XXXX XXXX And Everything Because They've Had Prior History Communicating With Them. The Vehicle Was However Involved In A Total Loss And Gap Stated That They Would Immediately Make The Remainder Payment For The Vehicle Which Is The " XXXX '' Total Of The Vehicle 's Current Value. XXXX Insurance Communicated With Me That I No Longer Have To Make Any Payments On The Vehicle Since They Were Going To Cover The Remainder Owed On The Vehicle Completely Before My Payment Due Date Arrives. XXXX Made Me Late XXXX Months On My Payments I've Never Been Late Lately On Any Payments. So Please Understand, At This Moment I Was Immediately Not At Fault. The Vehicle Was Involved In A XXXX XXXX That Further On Made It XXXX When The Vehicle Was In The Shop For Almost XXXX Months They Finally Told Me It Was A Total Loss Please Review Documents Attached.
Company Response:
State: FL
Zip: 33181
Submitted Via: Web
Date Sent: 2022-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I filed a charge back claim due to the company I paid not fulfilling the contract and did not show up to complete the job they were paid to do. I did not receive the money back for the work I paid them to do that they did not complete.
Company Response:
State: AL
Zip: 35007
Submitted Via: Web
Date Sent: 2022-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: We were in the process of completing a home mortgage with PNC bank. We were given a pre approval from PNC and instructed to pay appraisal fees ( {$750.00} ) and complete a home buyers course ( {$75.00} ). We complete what was requested and paid required fees only to be denied the loan. Considering fees were already paid we contacted PNC bank to start process over. We were told they would get us another pre approval ASAP. This was in the beginning XXXX, to date we have heard from the bank - no returned phone calls or emails. We have moved forward with a different bank, but are out the funds PNC charged and granted us no mortgage. We are inquiring about a refund for the funds loss totaling {$830.00}.
Company Response:
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a couple pieces of mail, dated from XXXX from PNC Bank stating that there were 3 accounts opened in my name. I spoke to PNC and they closed the accounts but also suggest me to contact the FTC and the credit bureau as someone has my information.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: i did not authorize theses inquiries on my account
Company Response:
State: AZ
Zip: 853XX
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I became ill in XX/XX/2021, I was unable to work. I contacted the bank and explained to them my situation and they seemed to help by removing over draft fees during this bad situation. I was very greatful. Unfortunately the pay checks from working got smaller and then none, even the ones from my works XXXX program stopped. The bank told me they were no longer helping with people affected by job loss or lost hours. I tried and tried to stop payments from overreacting my account by having the bank block accounts, stop payments, and asked to reverse payments so my account would not get over drafted or worse than what it was cause I told the bank I was not working. They had me dispute a payment in XX/XX/2021 that made my account over {$500.00} negative and they said finally after all my efforts to stop payments being made the bank honored the payment anyway. After starting the dispute they told me as soon as the decision was made on the dispute they would send me something in the mail. After a month I never received anything and called to check every week and they stated still in investigation. I finally got ahold of a supervisor and they said they denied it over a week prior and at that point since I did not make any payment to pay back the negative balance after being instructed not to try anything with the account and switch all the companies doing autopayment and stop them cause once the dispute is complete the account would have the negaitive amount I disputed put back to the account. Never once said anything about being denied just said to investigate the transaction cause the amount was large on my behalf. I was still not working from XXXX to XXXX. Went over a month with no income or XXXX from the hospital I work for. I was hoping to be released to go back to work so they bank agreed to push back my account from being closed and into check systems. I was not able to go back to work later than I expected and unfortunately only for a short time and was ill again and back to being off work. I have been fighting to get caught back up after the XXXX eviction threats, utilities behind, and no income and XXXX little girls to take care of. They shut my account before the date they gave me and refused to help stop this during a pandemic. I filed a complaint with the XXXX a woman got ahold of me and told me to ask to get ahold of them to ask for a payment plan. I have never heard nor got the paperwork sent to me about a payment plan. NOW without notice and no warning only after a little over a month, sold my account to a collection agency before letting pay. I am still off of work trying to get my health ok to return.
Company Response:
State: IN
Zip: 46168
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: * XX/XX/XXXX : PNC Virtual Wallet with Performance Select Spend checking account was opened online from PNC bank website * This was done under promo terms where consumer could " Earn {$400.00} when you establish total qualifying direct deposit ( s ) of {$5000.00} or more to the Spend account. '' Of note, " to qualify for the reward, the new Virtual Wallet product must be opened online via the application links on this page between XX/XX/XXXX to XX/XX/XXXX, '' which I did successfully do ( see attached ) * XX/XX/XXXX : After noting that the promo reward was never provided ( " credited to the eligible account within 6090 days after all conditions have been met '' ), I reached out to PNC Bank via online chat in early XXXX to request a resolution * XX/XX/XXXX : per my XX/XX/XXXX statement dated XX/XX/XXXX, {$300.00} promo reward was deposited on XXXX ( " Cash Trans Promo Reward '' ) * XX/XX/XXXX : given it was only partial promo deposit, I reached out to PNC Bank via online chat again to request a correction with addition of remaining {$100.00} promo reward balance. Agent informed that they had no record of the promotion in question, and thus used that as justification for the {$300.00} amount ( which was never the actual promotion terms per attached documentation ). Agent also refused to accept any documentation that I was willing to provide.
Company Response:
State: CA
Zip: 94131
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: There are multiple Hard Inquiries on my XXXX credit report I did not give permission to pull my credit report.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A