Date Received: 2021-12-02
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Multiple attempts in contacting PNC to close a fraudulent Credit Card account. Four calls, four extended holds, a large loss of time for a commission sales person only to have yet received anything in writing confirming my report per guideline of FCRC605B and the FCRA, no confirmation number, no complaint number, only the name of a case manager who isn't in the office.
Company Response:
State: TX
Zip: 77388
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: PNC bank just informed me that XXXX XXXX resent my {$200.00} to a closed account with PNC at XXXX XXXX on XX/XX/2021, after I just reported on XX/XX/2021 that I made a mistake. I no longer have an account with PNC and I updated my new bank account information on XX/XX/2021. I am not understanding why you all will not allow PNC to resend the {$200.00} back to my XXXX XXXX account per policy. This is highly unprofessional, errant, and inconveniencing. I earned this money direct deposited into my account on XX/XX/2021 via XXXX XXXX. It should not take several days to reimburse money from a closed account back to XXXX XXXX. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 77008
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: My name is XXXX XXXX. I opened a PNC Virtual Wallet with Performance Select account on XX/XX/2021, which I applied through the PNC website with the promotion to receive {$400.00} after {$5000.00} direct deposit between XX/XX/2021 to XX/XX/2021 to open the account. But today the customer service from PNC told me my account has no promotion applied, even I have qualified direct deposit to my PNC account. This is definitely something wrong since I applied through the PNC website with the promotion code on my application before I submit the application. I am very sure because I double-check that before I submit my application online. If the promotion code is not applied to my account that should be PNC 's mistake.
Company Response:
State: AZ
Zip: 85710
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: My name is XXXX XXXX. I opened a PNC Virtual Wallet with Performance Select account on XX/XX/2021, which I applied through the PNC website with the promotion to receive {$400.00} after {$5000.00} direct deposit between XX/XX/2021 to XX/XX/2021 to open the account. But today the customer service from PNC told me my account has no promotion applied, even I have qualified direct deposit to my PNC account. This is definitely something wrong since I applied through the PNC website with the promotion code on my application before I submit the application. I am very sure because I double-check that before I submit my application online. If the promotion code is not applied to my account that should be PNC 's mistake.
Company Response:
State: AZ
Zip: 85710
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I had an auto loan with PNC Bank. I closed the loan in XXXX of 2021. As of XX/XX/2021, they updated my credit reports with late payments. I do not know why this account would be updating my report after they are closed. This hurt my report and I am looking to buy a home.
Company Response:
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PNC has committed fraud towards me and in regards to my HELOC Home Equity Line of Credit. The interest rate they charge is contingent on several factors. One of them being that I receive a 1 % reduction in rate if I pull $ 30k from the line and carry the balance for at least 3 billing cycles. Right when my HELOC closed, I called in on XX/XX/XXXX at XXXX and spoke to XXXX XXXX on a recorded line ) who was very helpful. She confirmed the promotion of 1 % discount on rate for a $ 30k pull. She actually even completed the transaction for me over the phone, pulling the $ 30k from the line and transferring it to my bank account. She also confirmed if I kept the $ 30k balance through XX/XX/XXXX, I would automatically receive the 1 % discount. I ended up pulling more money out and then noticed by XXXX that I did not receive my earned discounted rate. I called in to PNC, they promised a quick response ( they never got back to me and I had to follow up twice ), and then I received a letter in the mail. The letter said " At the time the loan was closed, the promotion regarding a discount for withdrawing $ 30k or more, was not active, as it ended on XXXX XXXX. The current promotion is for a draw of $ 50k or more, to qualify for the 1 % discount ... ''. First off, I didn't even apply for the HELOC until XXXX of XXXX, so why would they offer me the promotion if it ended 6 months prior. Also why would customer service know about it when I called in right after my loan closed, confirmed it and help me make my $ 30k transfer ( please go back to the recorded line on XX/XX/XXXX, case # XXXX ). Furthermore, I have pulled out in excess of $ 50k as of XX/XX/XXXX. So even if your " Current Promotion '' is $ 50k, I still met and exceeded that marker and you are still arguing with me and not honoring the obviously valid promotion ( s ). I want my 1 % reduction in rate that I was sold on and promised.
Company Response:
State: CA
Zip: 937XX
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I had a account with BBVA Bank ( now PNC ) and was charged 2 times for a XXXX bill I never tried paying I didn't have the money in my account and was put in debt and charged over draft fee I talked to them about it but they wouldn't help me.
Company Response:
State: AZ
Zip: 85308
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-01
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a checking account with PNC bank under a promotion, one of the conditions being not receiving a promotional bonus within 24 months. I contacted the bank by phone on recorded line before opening the account to check if I received the promotional bonus in the prior 24 months and was told I did not. It is important - I state it is the truth I was told that on behalf of the bank on recorded line, and it can be verified by listening to the recordings. I in fact called multiple times to receive the same answer - no bonus was paid last 24 months according to them.. After opening the account I did not receive the bonus on time, and when I started contacting them I received extremely dishonest and evasive answers - from just wait and it will be posted later to ignoring calls, not calling back all multiple times and dragging like this for months. The latest conversation today a female who were brought online at my request for a supervisor. refused even to spell her name after asking me to pronounce and spell mine and disconnected the call over my objections to it, after interrupting and ignoring every single of my questions.
Company Response:
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2021-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Company Response:
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2021-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Basically, the exact same thing detailed in this article : XXXX XXXX XXXX happened to me.. I have a XXXX XXXX mortgage on a $ XXXX house in XXXX When my husband left me with only child support ( XXXX ) I had for XXXX years make the payments ( $ XXXX ) alone. With help and struggle I did, and then the pandemic came. In XXXX I started the COVID forbearance program - however now I am being essentially and indefinitely punished for having done this. They ended the forbearance after 11 months instead of offering me ( thru XXXX XXXX ) another extension ( I could have gone to 18 months and I was able to stay home with my kids as well as pay down debt, and was assured the money would be due at the *end* of the 30 year term, of which I was in year XXXX ). So then charged me a late charge and thats how I found out they had done anything. Then they offered a loan modification, I had no choice but to accept - I have made it very clear that I just want to stay until this spring when my kids graduate school for college and I don't need a $ XXXX XXXX XXXX ft house then. The modifiction lowered the payments only {$400.00} a month, added PMI, *AND* without mentioning it until I saw it in the papers, started me at day of a XXXX year mortgage. Then, I did 3 months of trial payments and about to make the 2nd regular payment, 5 months later. However every month they ding my credit, which has dropped down in to the 500s as a result, and say I owe XXXX XXXX and they will keep doing it until I pay that. They are nearly impossible to reach on the phone and are seemingy uncaring, driven mostly by the need to get me paying money as fast as possible, not by the sensible path. If I am selling no matter what in the spring ( and didn't thsi fall because my kids, and also for once the market is skyrocketing the selling price of my house ). PNC would I think want to help me achieve this and keep the business but I just want to get away from them now since they seemingly lie with impunity and I'm getting XXXX XXXX XXXX every day that any credit slip and I'll end up in foreclosure, unable to sell my house or to do what I *really* need to do- I have at least XXXX XXXX in equity, and just wanted to do a cash-out refi to pay for fixing up the house to sell, as well as XXXX XXXX XXXX XXXX I can't work until I deal with that, but can't deal with it until I have either the equity ( I thought it was *my money* ), a small fraction of the equity, to clear and erase my few debts, XXXX XXXX XXXX XXXX and then finish getting the house ready to sell for as much as possible in the spring All this, panicking that I don't miss the someday crash of these prices going up so much, and held hostage by the " we can't refi you until you have XXXX months of good payments to PNC GOODBYE '' everyone says now, instead of *helping* me. Can anyone make PNC give me access to my own equity and honor their own promise ( exacted many times ) that the year of forbearance would not remain every month getting recorded as a new black mark on my credit. Insult to injury I had identity theft last year through the unemployment, and they used it as an excuse to delay then deny me PUA. I am at the end of my rope, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I just want to take my ONE asset of that equity, clear all the other stupid smaller bills, and sell the house! Why force me to stay and incur further debt and less chance of ever catching up,, PLEASE help me.. I can't get help from PNC. ( There is an almost paid off old 2nd mortgage of about $ XXXX from XXXX as well, I'd pay that. But please find a way? They can't just deny me the money that is equity especially for medical bills and home improvement, to then sell by XX/XX/2022 ( at the latest, I want it ready to go in case the market starts to drop ). Sorry for the length. I put hope in you, it's despairing out there. I will try to attach a recent PNC mortgage statement so you can see the weirdness of what they're doing. But they're destroying my credit beyond reclaiming. ; ( Please, thank you for trying to help me. I have no one else left. XXXX XXXX XXXX ( text ) XXXX ( email, text if you email tho )
Company Response:
State: MA
Zip: 01844
Submitted Via: Web
Date Sent: 2021-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A