Date Received: 2022-02-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I need to report any negative report that XXXX XXXX XXXX might have provided to my credit also i was Getting BBVA erased from my credit with late payment when they force placed on my trucking during my time
Company Response:
State: TX
Zip: 797XX
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: This is now a willful violation I demand a proper investigation show me a receipt of payment For XX/XX/XXXX ..Do not use the XXXX system.. PNCs Account payment history is in accurate and is a reason to delete the entire account off of my credit report attached is proof that it is in accurate the inaccuracy is harming me. I have disputed this multiple times and XXXX and Pnc still can not prove the alleged payment in XXXX of XXXX I have documented proof on The creditors ( PNC ) letterhead stating they never received a payment in XX/XX/XXXX, yet it shows that inaccuracy on my credit report. in XXXX of XXXX I disputed inaccurate information being reported on my credit report by PNC Bank I demanded for them to delete it they now owe me multiple violations for {$1000.00} each ...... It is now XXXX of XXXX According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous lettersall sent Registered mailstated my reasons for an investigation and these reasons were not frivolous in any way.
Company Response:
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2021, I transferred {$5000.00} from an account I had at BBVA to an account I have at XXXX Bank. On XX/XX/2021, I transferred another {$5000.00} from the BBVA account to the XXXX Bank account. Only XXXX of the transfers came through. PNC subsequently purchased BBVA and is refusing to find the missing money and return it to me. My bank statements from BBVA prove that XXXX transfers were made. My bank statements at XXXX Bank prove only XXXX transfer arrived. My personal banker at XXXX Bank looked into it and only saw XXXX transfer. PNC agreed to send me the tracing number but did not. And now, they are saying because more than 6 months is passed they are not obligated to return my money. All I am asking is for the return of what is legally mine and there is sufficient evidence to show that XXXX transfer was lost. They won't even research it because my guess is that they can't since it was BBVA. But they purchased BBVA, which makes them liable. I need help to get my money back.
Company Response:
State: CO
Zip: 816XX
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I signed up for a PNC account in order to receive a promotion for a {$300.00} bonus. I signed up, fulfilled the requirements of the bonus which included a direct deposit requirement. After I had opened the account, I noticed my old XXXX account had been transferred over to PNC due to the acquisition of the bank. I was concerned about this affecting my eligibility for my bonus, so I contacted PNC and they assured me that I was eligible for the bonus, which caused me to keep the account open and continue pursuing the requirements. PNC now refuses to honor their promise and I have been unable to contact a representative of their team for XXXX weeks. I have in writing that I met the requirements of the bonus and I am requesting that I be paid the {$300.00} that I am owed.
Company Response:
State: FL
Zip: 33606
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Account name : PNC BANK, N.A. Account # : XXXX. Delete PNC FOR REPORTING AN ACCURACIE. previously disputed account. During the investigation XXXX followed the rules and DELETED the account. XXXX and XXXX did not and are in current violation of my rights! XXXX and XXXX, did not complete the investigation in the allotted time of 30 days, I sent a CFPB COMPLAINT and they still did not delete it in the allotted time this is HARMING me and it is {$1000.00} violation from each company, respectively. In addition to that they are not reporting the same information which is a VIOLATION in itself because everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. 1. ) Date of last active illegal {$1000.00} violation XXXX is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX See Red marks on Attached. 2. ) In a separate dispute I demanded they prove proof of payment for the month of XX/XX/XXXX which they are reporting on the XXXX as OK which is inaccurate which is grounds for the entire account to be deleted I sent an account verification back in XX/XX/XXXX They have not responded today is XX/XX/XXXX Which is way more than 30 days Now they have illegally altered the information on the account since then, I have documented proof of my credit report stating the truth and now they are changing things to make it harm me. Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from your company. Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. - I demand this account be deleted from my credit report on all three bureaus and the other consumer reporting agencies
Company Response:
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Hello, I could not find where to submit a concern about banks for a review of policies period. I am not currently having an issue. My concern is for when I applied for a mortgage. My average credit score was XXXX. Which I thought meant an excellent credit rating. The bank told me they don't use the average and picked my lowest score to deny me the advertised lowest rate. I think there needs to be clear and uniform reporting on rates prior to applying for a mortgage and for ALL financial institutions. Not left to a sales person with the bank to decide what they can sell you into. A bank being able to use arbitrary means for determining the rate a customer is charged makes it impossible to properly and with due diligence shop for the best financial product to fit the customer. In short I believe all should be treated equally. Income, payment history, debt to income, and job history.
Company Response:
State: PA
Zip: 17701
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I attempted to close my online checking account with PNC Bank after withdrawing my funds early in 2021. PNC did not close the account and charged me for monthly service fees. Now Im being contacted by a debt collector to collect fees for an account I had zeroed out and closed. I contacted PNC via chat and phone and was told customer service can't do anything about it.
Company Response:
State: MD
Zip: 20817
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My phone was hacked and stolen from me on or around XX/XX/2022. The thief got into my phone which contained my ATM pin in the notes of it. He was able to send {$1400.00} dollars to himself as he hacked in to my pnc+XXXX with my account info that was already saved in my phone. I started a dispute which was denied and not found in my favor. As I have now recovered my phone and changed my pnc log in info, I called again to explain to a representative that this isnt fair, I was hacked. The representative told me I had to verbally give my pin to someone. Well that it is not the case as it was saved in my phone that was hacked and stolen from me, I advised the representative of that. She said she would add it to my account notes as I asked them to please re-dispute this for me. I also asked to speak to a manager. I was transferred to her voicemail, left a voicemail, and never had a call returned to me. Im so upset and the loss of money affected me being able to pay rent.
Company Response:
State: OH
Zip: 44221
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: This is in respect to an error made by PNC Bank in processing a balance transfer from XXXX XXXX. In XXXX of XXXX, I submitted a request to PNC Bank for a VISA card. At the same time, I submitted a request for a credit card balance transfer from XXXX XXXX to PNC. On XX/XX/XXXX, a debit was made to my XXXX XXXX account ( it actually posted on XX/XX/XXXX ) in the amount of {$6100.00}. In addition, a special rate offer fee was charged to my account in the amount of {$120.00}. This was the exact opposite of what should have happened. Had my balance transfer been handled correctly by PNC Bank, XXXX XXXX would have received a check from them in the amount of {$6000.00}, and when combined with the payment of {$3400.00} that I arranged to be paid from my PNC checking account, payments of {$9400.00} would have been received by XXXX XXXXXXXX by XX/XX/XXXX, which would have brought the amount due on my XXXX XXXXXXXX credit card account to {$0.00}. Upon discovering the error, I contacted PNC and spoke with a customer service representative. They assured me that the error would be corrected. My VISA card balance with PNC was corrected. However, they failed to return the money they received from XXXX XXXX to XXXX XXXX. I arranged to meet with the local PNC Branch Manager ( XXXX XXXX, FL ). After explaining the situation to him, he contacted his designated point-of-contact for such issues. During the meeting, I also spoke with this person, and was assured that two checks would be sent to XXXX XXXX -- -one to repay the original {$6100.00} that was sent to PNC due to error on the part of PNC , and one for the balance transfer I had originally requested in the amount of {$6000.00}. On XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX received two payments of {$6000.00} from PNC Bank. As previously stated, one payment was supposed to be for repayment of the {$6100.00} they erroneously requested. The second payment was to be for the original balance transfer request I made to them. So, other than the balance transfer fee that XXXX XXXX charged me through PNCs error ( {$120.00} ) and the discrepancy in the amount received by PNC originally and the amount they returned to XXXX XXXX ( {$97.00} ), I had been made whole. On XX/XX/XXXX, my wife forwarded an e-mail message to me that she had received from XXXX XXXX. The message indicated that PNC had requested that an amount of {$6000.00} be returned to them, which XXXX XXXX honored. This has resulted in my XXXX XXXX credit card balance increasing by that amount with no corresponding decrease in my PNC credit card. I contacted the Branch Manager on XX/XX/XXXX to inform him of the situation and requested his assistance in correction of the error. As of the date of this complaint, I have not heard from him. I am requesting assistance in getting this issue resolved. While I am not attaching documents at this tie, I have all documents necessary to show the payments received by XXXX XXXX from PNC and vice versa.
Company Response:
State: FL
Zip: 32952
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/21, {$10000.00} was taken out my account without authorization. pnc is the company .discriminated against me.
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A