Date Received: 2023-11-17
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: A merchant, named XXXX XXXX XXXX, fraudulently took {$440.00} from my checking account after lying about making repairs to my camera that were not made. The merchant is located several XXXX miles away from my home which made it impossible for me to visit. I shipped my camera, via XXXX, to the merchant. The merchant notified me that the camera was " repaired '' and demanded payment before returning my camera. I was forced to pay the merchant without having knowledge that my camera had not been repaired and was still broken. The merchant cashed my check and, about XXXX weeks later, returned my camera to me in a state of disrepair. I contacted the merchant and attempted to demand a refund but the merchant was uncooperative. I subsequently contact PNC Bank, described the situation thoroughly, and asked for its assistance in recovering the funds. PNC Bank did nothing to recognize that I was a victim of fraud and essentially supported the fraudulent act of the merchant by admonishing me for not putting a stop pay on the check. PNC absolutely refused to recognize that I could not stop pay a check BEFORE my broken camera was returned to me which is before I knew I was a victim of fraud. PNC appears to be disinterested in protecting its account holders from merchants of fraud and will not adequately resolve account holder 's complaints about fraudulent transctions.
Company Response:
State: CA
Zip: 95776
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023, at approximately XXXXXXXX XXXX, I received a call from an individual identifying himself as XXXX XXXX ( contact number : XXXX ). XXXX XXXX claimed that I possessed a stock option buyback plan associated with a timeshare I own in XXXX. This revelation was entirely unexpected, as I had no prior knowledge of such a plan. XXXX XXXX recommended that I contact the corporate finance office for the timeshare at XXXX, instructing me to inquire about my book entry number and to furnish my member ID for the timeshare, referenced as XXXX. In the subsequent days, I engaged with various individuals and entities, including the finance department and XXXX XXXX himself, who provided guidance throughout the process. These interactions led to a series of requests for wire transfers with the ostensible aim of funding a brokerage account. Over the course of these interactions, I conducted several wire transfers that cumulatively amounted to a substantial sum of money. Regrettably, I have not received the funds promised, and it has become increasingly evident that this situation may be rooted in fraudulent activity. As of XX/XX/2023, XXXX XXXX XXXX communicated to me additional requirements, including payments for FBAR ( Foreign Bank and Financial Accounts Report ) reporting and other financial obligations. These requests extended beyond the limits of my financial resources, and it was at this juncture that I began to harbor suspicions that I may have fallen victim to a fraudulent scheme. I would like to underscore that these transactions were executed with the genuine belief that they constituted bona fide investment opportunities. In light of recent developments, however, I am profoundly concerned that I may have been egregiously deceived and that the funds transferred have been irretrievably lost.
Company Response:
State: TX
Zip: 75068
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have issues regarding overdraft fees that went unresolved and it has greatly impacted me. I have in past tried to close this account out and I have to not use the card at all with no pending transactions. Overdraft fees have impacting I to the thousands with this company and this country allows banks to do this. I spoke with a corporate rep regarding over draft fees one last time and spoke with a customer service rep about how to close my account and the company still has this stance that I can not use my bank account in order to close it. Which is tough because I have direct deposits and bills on a regular basis coming out. Transactions don't come out sometimes 2-3 days. This bank has never cared about me as a customer at it shows.
Company Response:
State: NJ
Zip: 08753
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I have to check my records for specific dates, but they should have all phone conversations recorded. I was unaware PNC Bank would operate like this. In the middle of the year XXXX I was getting ready to pay off my car loan. I called in to make sure that was ok and that my contact and mailing address were up to date. I did this regardless that I was already getting mailing from PNC bank at my current address - including the loan payment slips. When I did not receive the title in XXXX I began making calls. First call I was told it was not mailed yet and my address was up to date. Second call I was told it was mailed to an old address. I demanded a lien release letter. I did not receive that. Third call I was told I should have received the letter and they would resend again. Fourth call I escalated the situation by mentioning the word " legal '' as I found out online it would command some action by their team. They finally mailed me the lien release letter but expect me to take the time and money to go get a replacement title. I have been to the DMV twice with long wait times and had to leave after wasting over an hour each time because my work and job is very demanding. I have no choice but to plead with the CFPB to assist me with this. After they collected all their interest, they decide they do not have do do anything. I am facing many hardships trying to get this title to sell the car.
Company Response:
State: NJ
Zip: 08873
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: I have been paying mortgage into escrow instead of a one time payment. In XXXX, I made a complaint to the CFPB re : issues with transfer of the escrow payments into mortgage. The issue was corrected manually through the XXXX office. In XXXX I called the mortgage department and had the customer service agent transfer funds manually from escrow to mortgage and they were able to do that. What they did not do was show the mortgage as paid in XXXX and XXXX. In XXXX I put in another sum into escrow and this time the agents are refusing to transfer the payments into mortgage. Instead they are saying that they would get into trouble etc. I do not have any information on how much of the loan is pending as the agents are not providing any information as to how much is in escrow.
Company Response:
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I went today to a PNC branch and they told me my account was closed. I asked them last week to addition my husband in the account. They didnt provided any explanation why they closed my account. They said I will receive a letter in 10 days with a check. I need to pay bills right now, not in 10 or more days. So this is causing me a lot of troubles and inconviniences not to mention to losing my time and patience. I need an explanation and my money back immediately.
Company Response:
State: FL
Zip: 33322
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I paid {$31.00} on XX/XX/2023 on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX That is a fraudulent stamp seller. They call themselves XXXX XXXX XXXX. The payment in my checking account reads as " XXXX XXXX XXXX. ''
Company Response:
State: VA
Zip: 20120
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I never received an order and I disputed it with the bank. They are not refunding and the store I ordered from advised to dispute with them.
Company Response:
State: IL
Zip: 60641
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Regarding : Reference XXXX Yesterday, XX/XX/XXXXXXXX I visited a PNC bank branch and called customer service to file a complaint. In addition, I emailed a complaint to PNC on XX/XX/XXXXXXXX and XX/XX/XXXXXXXX to file a formal complaint about several issues and asked for an update today, XX/XX/XXXX. On XX/XX/XXXXXXXX I received a letter from the PNC bank branch in XXXX, TX stating that I had until XX/XX/XXXXXXXX to provide additional information on two disputes I submitted. I disputed two charges for services that were never provided. The letter received from PNC stated that If no additional information was received, PNC would be ready to complete the investigation based on the information they currently have. I visited the bank branch because I never received the dispute update letter in the mail. PNC customer service and PNC bank operations gave XXXX ( PNC bank branch teller ) the run around in providing the letter which almost delayed my response however after 1 hour of waiting in the branch XXXX was finally able to receive the document. I am requesting an immediate provisional credit on items paid to XXXX on the following dates : XX/XX/XXXXXXXX - XXXX XX/XX/XXXXXXXX - XXXX total - {$10000.00} I retained a lawyer on XX/XX/XXXXXXXX to file a lawsuit against XXXX XXXX XXXX Credit bureaus for willful violation of my rights under the FCRA. Since this is an FCRA case, I wanted to apply for new lines of credit since the XXXX. collection ( XXXX XXXX XXXX ) account popped up on my XXXX credit report after paying XXXX. My attorney advised that I apply for a new line of credit because if denied, that would demonstrate actual damages he could add to the lawsuit due to the suffering caused by the inaccuracy on the XXXX credit report. I requested to apply for a business line of credit and business card several times during the month of XXXX with XXXX XXXX ( PNC ). On XX/XX/XXXXXXXX PNC Bank listed two soft inquiries on my XXXX credit report. XX/XX/XXXXXXXX I emailed XXXX XXXX ( PNC ) requesting he either provide the decline letter or approve the business line of credit and business credit card. I have yet to receive an email from XXXX with this information as of XX/XX/XXXX. Additionally, I am formally complaining about XXXX telling me to wait to apply so I could " have the best chance '' at receiving an approval. Those statements on our recorded phone calls were a clear type of discrimination. XXXX would have never told any of my XXXX counterparts to wait and actively prevent them from applying for a business line of credit and business credit card. Furthermore, if any of my XXXX counterparts would've requested a business line of credit and business credit card with near XXXX credit scores they would have been approved. In addition to consistent business top line revenue during the months of XXXX there were {$47000.00} in deposits. During the month of XXXX there were {$24000.00} in deposits. During the months of XXXX there were {$29000.00} in deposits. During the months of XXXX there were {$27000.00} in deposits. During the months of XXXX there were {$5100.00} in deposits. The Equal Credit Opportunity Act makes it illegal for a creditor to discriminate in any aspect of credit transaction based on certain characteristics. If you listen to my calls with XXXX and evaluate all of the facts you will find there was disparate treatment, competitive evidence of disparate treatment and obvious evidence of disparate impact. As PNC bank knows, XXXX XXXX XXXX XXXX XXXX XXXX certified minority business enterprise and disadvantaged business enterprise. The corporation holds certifications with the XXXX XXXX XXXX XXXX, State of North Carolina and XXXX of Tennessee. During the month of XX/XX/XXXX I personally had to go through an exercise with the XXXX XXXX XXXX XXXX to determine the corporation meets the social disadvantage criteria for certification. Economically disadvantaged individuals are socially disadvantaged individuals whose ability to compete in the free enterprise system has been impaired due to diminished capital and credit opportunities as compared to others in the same or similar line of business who are not socially disadvantaged. Having to go through this exercise just last month, I believe that I was discriminated against and ask the bank to either approve the business line of credit, open the business credit card, investigate my claims of discrimination, and/or email me a decline letter so that I can forward to my attorney regarding the FCRA case XXXX Lastly, during my call yesterday XX/XX/XXXX with PNC bank operations I was finally told the following information regarding my application submitted with XXXX XXXX : PNC application number XXXX ( business line of XXXX credit card XXXX XXXX submitted - XX/XX/XXXX Date declined - XX/XX/XXXX
Company Response:
State: TX
Zip: 75069
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Lost or stolen money order
Subissue:
Consumer Complaint: Cashed two checks at the atm and never got the money in my account. When I tried to call about it they told me there was nothing they could do and they couldnt give me the full ammount back
Company Response:
State: IN
Zip: 47401
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A