Date Received: 2022-01-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: File a bankruptcy in XXXX and it closed in XXXX and my mortgage has not been reporting since XXXX. I didnt put my house in the bankruptcy and payments have been current since then. How do I get them to report my payments on my credit report?
Company Response:
State: MI
Zip: 48532
Submitted Via: Web
Date Sent: 2022-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-09
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: In the month of XXXX, many users of XXXX XXXX wireless phones had their numbers " ported '' to XXXX XXXX fraudulently. ( I have attached documentation of this to the end of this complaint ). Once the " port '' occurred, the hackers took control of people 's phone numbers and used it to gain access to their accounts, such as XXXX ( a cryptocurrency app ) and used that to charge their bank accounts. Many users online are reporting this fraud. My telephone number XXXX was ported without my permission on XX/XX/2021. I lost control of my phone number that day. I was then the victim of identify theft and unauthorized charges from PNC bank on XX/XX/2021. Specifically, the following charges were made on my PNC Bank account : XX/XX/2021 - {$200.00} - XXXX - ACH WEB XXXX XX/XX/2021 - {$200.00} - XXXX - ACH WEB XXXX XX/XX/2021 - {$200.00} - XXXX - ACH WEB XXXX XX/XX/2021 - {$200.00} - XXXX - ACH WEB XXXX XX/XX/2021 - {$200.00} - XXXX - ACH WEB XXXX I bank with PNC Bank and I immediately called PNC Bank on the XXXX to report the fraud. I was told that my username and password were being charged and a new debit card would be issued and that a dispute was being filed. The following day on XX/XX/XXXX, I went to the PNC Bank in XXXX, North Carolina and was told that no dispute was filed, no user id / password was changed, and my debit was not cancelled or stopped. At that time, they filed the dispute at the branch. The charges were still pending at this time and had not posted. They told me the charges must post before a dispute could be filed. Please understand that during this process I didn't have access to my phone number ( and still haven't gotten it back yet ) due to the identity theft. On XX/XX/XXXX, I received a letter from the bank that denied my dispute for these fraudulent charges, even though they are obviously fraudulent, repeated {$200.00} charges and many other users are experiencing the same behavior from XXXX. Also, I was charged overdraft charges due to the fraud and a {$33.00} charge to stop my debit card due to fraud! The letters say that " the date you revoked your authorization with ( the transactions ) was after the transaction posted. As a result, a credit will not be issued to your account. '' But this isn't true. As I mentioned, I called the bank on the XXXX and went in the following day to explicitly revoke any authorization for those transactions. Importantly, I was told that I couldn't dispute the transactions UNTIL they posted. But now they are denying my dispute on the grounds that I didn't revoke authorization until after they posted .... HERE ARE OTHER USERS THAT ARE EXPERIENCING THIS PROBLEM RIGHT NOW AS WELL WHO HAD THEIR NUMBERS STOLEN : https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2022-01-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-07
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Hello, beginning in XX/XX/2021, my PNC virtual spend checking account ending in XXXX began incurring a {$7.00} monthly service fee. Due to a XXXX related injury to my husband as well as my XXXX, in conjunction with the fact that this is not the primary account that my husband and I use, I didn't check my account until about a week ago when I logged on, and at that point realized the account was being charged a fee. I called PNC customer service who advised me that the fee was due to the balance running below {$500.00}. The fee was not something I was aware of, as I opened my account years ago. The customer service agent waived the {$7.00} fee for XXXX and XX/XX/2021, but would not waive XXXX, XXXX, or XXXX. Had PNC sent me an e-mail or called me when my balance reached below the minimum threshold and explained that I would be incurring a charge if I did not deposit additional funds, I would have ensured that there be a minimum of {$500.00}.
Company Response:
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2022-01-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-07
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: In XXXX of 2019 I went to my local Compass Bank branch to open a Health Savings Account ( HSA account ). The account has been used solely for medical expenses and deposits into the account for the past 3+ years have been direct deposited, tax free into that account. Compass Bank was recently acquired by PNC Bank and I made the decision to close all of my accounts and change banks. Due to the nature of HSA accounts these funds can not be withdrawn without tax penalties. They need to be rolled over into the new HSA much like rolling over a 401 ( k ) account to avoid paying these penalties. I requested the account to be transferred by Compass prior to their transition to PNC. I was informed by the banker I spoke with that the account was inadvertently opened as a regular checking account and not as a HSA account. His suggestion was to wait until PNC took over and to address the situation with them. Since then I have worked relentlessly with PNC to have the account converted to an HSA account and to roll the money over to the new HSA with the new bank. PNC has been very unresponsive and difficult to work with to resolve this issue. After multiple phone calls and follow up they finally contacted me and acknowledged the mistake but told me that there was nothing they could do and for me to take it up with the IRS. The tax implications could result in thousands of dollars of tax liability for me personally for a mistake that was made when the account was originally opened. I have requested a copy of the recorded phone call transcripts and a letter from PNC that acknowledges the error for my records in case I need them in the future. I was told they could only provide them if they were subpoenaed and required to deliver them. I realize that PNC inherited a problem that was created by Compass Bank but that does not dissolve them for the responsibility to correct the problem. I have all the statements from the day the account opened and can verify the deposits into the account were all tax free, direct deposits from my employer and that all of the withdrawals from the account were for medical expenses. I was always under the impression that the account was an HSA account until the day I requested the roll over. I look forward to the CFPB 's response and cooperation. The records of the people I have spoken with at both Compass Bank and PNC Bank can be provided upon request.
Company Response:
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2022-01-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-07
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: This is complaint against XXXX XXXX XXXX, ( XXXX ) CEO The PNC Financial Services Group , Inc. c/o PNC Bank , N.A. for running criminal enterprise specializing in forgery of public records specifically related to mortgages to legitimize theft of people homes. XXXX was given notice of opportunity to settle a claim on XXXX XXXX against my property, but he kept silent and proceeded using deception to execute of his false claim. In said letter I wrote '' This XXXX XXXX subsidiary which still holds the people ( remnants ) of dissolved National City Mortgage , Co./National City Bank contrary to its banking mission, rather doing banking services focus on forgery and tampering of public documents and government records for purpose to use them under false pretense to take people 's homes which has been apparently more lucrative business then lending money '' XXXX as CEO is a front man of several subsidiaries allows these satellites without restrictions prey on individual consumers, specifically concerning on mortgages where the stake is house, the most important asset of people. The complaint involves PNC Bank, N.A. in XXXX Ohio, an institution who forged public records of State of Ohio, which then paved them road to theft of my property. XXXX has been keeping XXXX eye on the crimes of his subsidiaries, knew that forgery of public documents took place, but did nothing to restrain them, thus is equally guilty for these crimes. Pleas note, that all replies to this complaint must be by XXXX only and have to be verified under penalty of perjury. No lawyer meddling in answer this complaint is acceptable.
Company Response:
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-07
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: PNC apparently bought my free checking account from my previous bank around XX/XX/2021 ( I've never wanted a PNC checking account ). PNC has been charging me account maintenance fees so I want to close my PNC account. On XXXX I visited their branch in person in XXXX CA, and a PNC banker looked at my account and said I couldn't close it in person and needed to call them. On XXXX I called and asked them to close the account. They said I couldn't close it over the phone because I owed them a {$4.00} account maintenance fee which I can only pay by visiting a branch in person ( because I don't have a debit card ). I'm tired of being sent back and forth between in person and phone, and want them to close the account and forgive the account maintenance fee.
Company Response:
State: CA
Zip: 94010
Submitted Via: Web
Date Sent: 2022-01-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Pnc acquired our accounts in merger & buyout -- our banking with bbva has been great. Pnc has repeatedly locked me out of online banking, terrible wait times for tech to help me get in -- 1 time i was told she couldn't find my personal accounts -- after i provided the numbers! They sent no debit cards, but that # or pin is needed to unlock access. Our joint accounts require my husband to give the rep his permission for them to help me! Ive done online banking since 2001 -- never had any problems like this. Ive read numerous complaints from others online. We are changing bank as soon as we can. Did our bills get paid for XX/XX/XXXX as usual? Nooo because I was locked out & website takes me in circles, with no resolution.
Company Response:
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: There were multiple fraudulent charges that were being charged from my card that I was completely unaware of until I noticed my account had significantly started to decrease very quickly. I had submitted the disputes with PNC bank thinking it was going to be handled appropriately but instead in less than 10n days, I had received no correspondence from them by telephone, mail OR email which they have the information to all three where they could've contacted me to get more info or however they needed me to cooperate. My claims have all been denied and I SERIOUSLY doubt that they were able to properly investigate over {$20000.00} in a matter of 9 ( business ) days to come to a decision that the claims will be denied. Again, I have yet to receive any correspondence from them nor have I received my new debit card in the mail thats been well over 10 business days. I submitted these disputes on XX/XX/2021 and was told the claims were denied on XX/XX/XXXX and ONLY knew that because I was the one that had to reach out.
Company Response:
State: TX
Zip: 75088
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Their support had ridiculous wait times ( 20+ min minimum ) and there is no way to close the account online. They opened an account in my name without my permission ( I had an account with BBVA ) and then charged me {$2.00} for sending me a paper statement ( no transactions ) even though I was never asked or prompted to opt in or out. I do not want to do business with PNC and I want my account closed immediately. I requested the closure days ago via their chat but have received no response.
Company Response:
State: KY
Zip: 40504
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a mortgage with PNC Bank on XX/XX/2021, I first attempted to do so online, but my service provider was having an outage so I was unable to finish or submit my online application. So I called and did my application via the phone with XXXX XXXX a Senior Mortgage Loan Officer. Before starting the process I asked several questions and explained that my husband and I live in Alabama, the property we wanted to purchase was in XXXX XXXX, Ok. And that we wanted to do the mortgage conventional secondary residence, and the reason we wanted to do it as a secondary residence was because that does not require you to have income in state. I also explained that we already had a property under contract, she stated that we would not have any issues. So we completed the application via phone on XX/XX/2021, with a closing date of XX/XX/2021. On XX/XX/2021 XXXX XXXX called me after XXXX, stating that if we paid off our current lease then that will get the income to debt ratio down to an acceptable level, and then we could proceed to closing, I asked was she sure and was that all that was needed and she stated yes. On XX/XX/2021 I contacted the property management company and paid the lease in full over 4000.00. They sent me a ledger and letter on company letterhead via email saying that all of our financial obligations pertaining to the lease had been fulfilled. I sent that information over to XXXX XXXX and to the loan process at the time was XXXX XXXX, on XX/XX/2021. I started calling on XX/XX/2021 because I had not heard anything back. I was told by XXXX XXXX '' Underwriting dropped the ball, and that she had to refile and reorganize the loan and get it back over to underwriting and that she was working with her manager with her manager to expedite it '' I asked was then anything I needed to do she said no. That was the lie got every time I called for most of the week. Until I called on XX/XX/2021 and explained that we are less than a week out from closing and I needed to speak with XXXX 's manager. Her manager 's name is XXXX XXXX and he informed me on XX/XX/2021 that the issue was that the loan had been denied/cancelled because the documentation that I sent over via pertaining to the lease was not given to them, he said XXXX, told me that I explained she had not. And he stated that he was working with her to get the issue corrected. XXXX and XXXX then started trying to convince me that I needed to the loan as a primary residence. I called the main PNC Mortgage number trying to get more information on what was going on to find out that there had been at least 3 other applications that filed in my husband name that was not authorized by me or him. I emailed and called about that issue as well. When I lost the property because we could not give the seller a closing date I started asking for PNC to reimburse me my money back because the deal fell apart do to nothing on our end. I was told I could not get it all back, but I could get the appraisal fee back. I never got anything back. I got a call on XX/XX/2021 from XXXX XXXX stating that the loan not going through was my fault because I failed to provide my lease information/rent on the online application. I stated that this was a lie and I never submitted an online application. Also that the information that XXXX provided was all a lie
Company Response:
State: AL
Zip: 358XX
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A