Date Received: 2021-12-21
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: This incident occurred as of this morning on XX/XX/2021. This morning I place a reservation at XXXX I provided my bank card number from my PNC card account. I later found out that I could not use the reservation so I had to cancel the reservation. I was not able to cancel this reservation with XXXX because there was no type of contact information in order to cancel the reservation. I called PNC bank to dispute and cancel the transaction, I only got a hold of a XXXX that stated that no one was available and I would be called back within 20 mins. However I have never received a call. I then tried to find a different number to contact PNC which was XXXX and located at XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX spoke to XXXX XXXX XXXX who stated that she or no other XXXX could file a dispute on behalf of any PNC bank customer at any PNC branch in this or any other part of the country.
Company Response:
State: ME
Zip: 045XX
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-22
Issue: Trouble using the card
Subissue: Problem with direct deposit
Consumer Complaint: I have a pnc pay card that I can't get my XXXX direct deposit until XXXX and I have many bills and I can't take care of myself in a timely fashion
Company Response:
State: DC
Zip: 20032
Submitted Via: Web
Date Sent: 2021-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was sent a check via email for XXXX dollars and it was told to withdraw XXXX dollars and put them on gift cards and to send XXXX dollar through XXXX. All this happen on XX/XX/2021. I file a dispute and a complaint to all the people I can think of and now Im responsible for XXXX that I have to pay back. I contacted XXXX PNC, XXXX
Company Response:
State: PA
Zip: 15210
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-21
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: THE LAST TIME I WENT AND CHECKED MY ACCOUNT IT HAD {$2600.00} THEN AFTER I GOT OUT OF THE HOSPITAL IT SHOWED {$240.00}. SOMEONE STOLE MY MONEY AND YET YOU ARE TELLING ME THEY DIDN'T. I'M SITTING HERE CRYING AND PRAYING JUST NOT IN A GOOD PLACE RIGHT NOW HEALTH WISE. I'M AT A LOSS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SO SICK THAT I HAVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND GOING THROUGH XXXX OF SOMEONE STEALING MY MONEY. ANYTHING FROM XXXX/XXXX/2021 TO NOW WASN'T DONE NOR WAS IT AUTHORIZED BY ME. I DON'T HAVE THE CARD, CAN'T GET INTO MY ACCOUNT AND CAN'T GET ANOTHER CARD FROM PNC XXXX. I HAVE TRIED BETTER BUSINESS BUREAU WHICH PNC BANK NEVER RESPONDED BACK TO THEM AND I HAVE BETTER BUSINESS BUREAU STATEMENT SAYING THIS. RIGHT HERE AT XXXX TIME I'VE BEEN FIGHTING THIS SINCE XXXX.
Company Response:
State: MD
Zip: 216XX
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: This happened for two credit cards were I called went to bank asking for statements because my mom is now staying at home and she is working for me. Pnc bank and XXXX both did not send me statements as asked. Ima business man and my mother moved and as I stated she started taking care of all my billing. I went to bank spoke to them how I wanted paper statements. And explained to why I needed statements as I did for my XXXX XXXX. As you can see if you look up my file I never was ever late in 8 years of my oldest account. Please help get the late payments off my credit report.
Company Response:
State: PA
Zip: 156XX
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been a victim of identity theft. This has been going on for months unfortunately until today it has not been resolved. There are two PNC accounts that don't belong to me. I have tried several times to dispute with the bureau and the creditor. I actually tried calling PNC a few times and after waiting and waiting no one ever resolves my issue. I have sent in all the documents proving that I have been a victim of identity theft. The bureau has stated a few times that both these accounts have been verified however what is the source how are they verifying no one can provide any type of proof. I have overnighted and certified several times and until today nothing. I have requested a 623 to verify debt as well and until today nothing no correspondence. Section 623 of the Fair Credit Reporting Act ( FCRA ) requires the federal banking agencies ( Agencies ) and the Federal Trade Commission ( FTC ) to : Issue guidelines for use by furnishers regarding the accuracy and integrity of the information about consumers that they furnish to consumer reporting agencies. They have violated my rights and at this point I have exhausted all my options. Creditor tells me one thing while CRA tells me another. This is absolutely hurting my credit score.
Company Response:
State: CA
Zip: 91406
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-20
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: We had a car loan through BBVA Compass bank that was paid off in XXXX. The lien release was not received by either our state XXXX or ourselves and therefore the vehicle title still has Compass Bank as the lien holder. Recently the vehicle was totaled in an accident and the insurance company only released a portion of the funds until they had information that the lien has been paid off. When contacting PNC several times, they say there is no record of us ever having a loan. They have also refused to give a loan release letter or statement that we do not have a loan through them when requested by our insurance company or ourselves, and they continue to reroute us back to our state or their title websiteXX/XX/XXXXwhich also has no record of the vehicle. During one call they gave us a number that is " fax only '' to contact that " could '' help, but we have had no response to that request either. Both we and our insurance contact have spoken with them numerous times, we have also connected twice with our XX/XX/XXXXafter being told it was under their jurisdiction, but the funds are still being withheld, and our state XXXX directed us here. We have been trying to resolve this since early XXXX XXXX. The Accident happened XX/XX/XXXX and the amount that has not been released is roughly {$13000.00}
Company Response:
State: MT
Zip: 59718
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-20
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX at approx XXXX, I tried to used my PNC debit card to withdraw {$450.00} from XXXX XXXX thru XXXX XXXX ATM XXXX at XXXX XXXX XXXX, XXXX XXXX NJ, XXXX. When I finally submitted the amount I wanted to withdraw the ATM acted as though it wanted to dispurse my funds, but the tray feed never opened and no funds were dispersed. The ATM counted down XXXX seconds I believe to alert me to take cash or it would cancel transaction. As there was no cash to take the time went to zero and my transaction was canceled. I went to put the debit card in ATM again but was told I was unable to process any transaction at that time. I checked my bank account and {$450.00} was taken from my account. {$450.00} for the expected cash that was never received, and {$3.00} for the ATM transaction fee. I first contacted PNC Bank Customer Service to log my complaint and was told that I needed to speak to XXXX XXXX in order to fix the matter. I proceeded to contact XXXX XXXX and they told me that I needed to contact PNC for the matter to file a dispute. I contacted PNC again to begin the dispute process which had a reference number of # XXXX. {$450.00} was credited to the account until the dispute was resolved. XXXX I received notice that the dispute investigation was completed and that there was no wrong doing in the ATM and that the total of {$450.00} would be taken back. I contacted PNC again to dispute this further with new ref # XXXX and to receive the documentation they used in their judgment for the initial dispute. On XX/XX/XXXX I received another notification that the 2nd investigation was complete for the same reasons. But have failed to receive the documentation requested used in said investigation. I will dispute this until judgment is found in my favor as {$450.00} was taken from me and at no point did I ever receive. I have tried to contact XXXX XXXX again and ask for additional help as they are the owners and operators of the ATM vestibule but they refuse to help me in the matter and direct me again to PNC.
Company Response:
State: NJ
Zip: 07753
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-20
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: BBVA Bank was being bought out by PNC Bank. In XX/XX/2021 I went to an office in person because I was unable to close my account online. I asked the woman to take my funds out and close my account. However, I still have a PNC bank account that I do not want. It has been very difficult to close this account.
Company Response:
State: TX
Zip: 77042
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-20
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: We started the online process of refinancing our original mortgage with PNC on XX/XX/2021 ( reference number # XXXX. ) I have saved all the emails from XX/XX/2021 to XX/XX/2021 to employees of the PNC mortgage department, except the secured emails from PNC as they are unavailable to access. I will outline the experience my wife and I went through as PNC employees disassembled the whole refinance process over a 5 month period and denied us a mortgage. XXXX XXXX, mortgage officer, and I started communication after the online application. I completed all the portal steps for application in timely fashion, day or two. In the months of the conversation of emails I inquired many times about the holdup with the refinance, why was it taking so long. I was told there are alot of applications and people are overworked. I could understand that process, but a refi for an existing customer seemed like a slam dunk. That is why I went with PNC in the first place. Eventually, the process was moved to XXXX XXXX, one of the closers ( paper shufflers. ) The paperwork nightmare on many levels, especially XXXX XXXX, spiralled down in that I became concerned about lost documents. Requiring me to resubmit the same documents made me question the integrity of the process and safety of my financial information ( taxes, bank statements ). I wasn't sure why my documents became lost, one document was sent 3 times by me to PNC. I asked to talk with a supervisor, to give feedback about the process, as it was taking months. XXXX XXXX contacted me and began to attack and blame me. I wanted to find out why it was taking so long and he became aggressive. He did not respond at all to my concerns. In fact he cancelled the loan and I have not every been informed as to why I was not given a mortgage. He actually blamed me for the mortgage not being completed and retaliated by dropping my application after I told him I wanted to talk to his supervisor, XXXX XXXX, that I was going to report to the CFPB. I never heard back from XXXX and XXXX, despite requesting a formal internal investigation by PNC about the process of my application. I was never told why my remortgage took 5 months to come to some conclusion that I wanted to close on that mortgage rate which was locked in at 3.00 %. Since I was locked out of the process I can only conclude the refusal to move my mortgage along was due to my wife and mine age, we are both over 65 years of age. I think the way they handled me was discriminatory based on age. Nonetheless, I reapplied at our personal bank and received a refinance, of course at 3.25 %. Looks like I lost because PNC discriminated against my wife and I, due to age.
Company Response:
State: IL
Zip: 60487
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A