Date Received: 2021-12-01
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Prior to the global pandemic, my mortgage was paid perfectly. This included additional money paid monthly towards the principal. At the onset of the global pandemic, like most Americans, I found myself out of a job. I requested a deferment with PNC bank during that time to ensure that I would not get behind on my mortgage. My forbearance was slated to end in XX/XX/2021, as such, I applied for a loan modification XX/XX/2021. I knew that I would be incapable of paying a balloon payment at the end. All of my documents were sent via fax and emailed by, XXXX XXXX, from the XXXX XXXX PNC XXXX and through email from me directly. On XX/XX/2021, XXXX month after submitting my documents, I received signature required XXXX package from PNC Mortgage ( attached ). This document advised that my loan modification had been approved for a conditional trial period. While, thankful, I was confused as the dates on the document were past tense. I contacted the representative on the documentation, she was unavailable so I spoke with another representative who advised me that I would receive documents with the corrected dates via XXXX and I would here from the assigned representative. Neither occurred, so I contacted PNC Mortgage on XX/XX/2021, via phone and email. During that call, I spoke with XXXX ( operator ID XXXX ) who advised that she could not release any information to me, although I had verified my identity, she assured me that I would hear from my assigned representative, and they had 30 days to respond. I advised that that time frame had almost doubled, and I was still awaiting a response. I confirmed that PNC had everything that they needed from me. I received a signature required document via XXXX from PNC Mortgage ( attached ) today advising me that my request for loan modification had been denied. I am flabbergasted. After reading the letter, It appears asXXXX if I was denied because PNC Mortgage is awaiting information from a third party. That is outside of my control. I should not be faced with losing my home because the mortgage company has failed to check off a box. I will file a formal appeal and submit it this evening, however, PNC Mortgage has failed to communicate appropriately, as such, I have zero confidence in their ability to rectify this situation and that is why I am submitting this complaint simotaneously.
Company Response:
State: PA
Zip: 194XX
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: 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: I went to dispute XXXX {$2500.00} charges equaling a sum of {$5000.00} that were made on XX/XX/2021 for {$1500.00} and the remainder paid on XX/XX/2021 for {$1000.00} equaling {$2500.00} and on XX/XX/2021 for {$2500.00} I informed PNC that I purchased a product that did not perform as advertised and rendered unsatisfactory performance. I am of belief that I am a victim of deceptive marketing and fraudulent practices by the XXXX XXXX XXXX also known as XXXX XXXX XXXX ( XXXX ) and the XXXX XXXX ( which would be the merchant reflected on the bank statement for both {$2500.00} purchases ) I, along with hundreds of people purchased a software/service that did not perform as promised. We were told from the creator/merchant that we could request refunds yet after numerous attempts to rectify the situation those same requests were denied. The results from the software/service were inconsistent, and when updates were announced they were never given in a timely manner. I have taken further measures to file a class action lawsuit against the company ( XXXX XXXX XXXX for their deceptive marketing. PNC informs me that they would look into the matter and to check back in with them in XXXX days. It is now the XXXX day and upon reaching back out to PNC they informed me that a dispute was never filed ( though I spoke with several representatives on different occasions confirming the filing of the dispute for the return of my money ) thus leading me to believe that I as a customer do not matter and with the lack of effort by PNC my money would not be returned without assistance from someone. Please help me, Ive lost all hopes of retrieving my money back and am having a hard time trusting this company moving forward.
Company Response:
State: WI
Zip: 53209
Submitted Via: Web
Date Sent: 2021-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-01
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I opened a business credit card for my company XXXX years ago with PNC BANK with a 21.99 % interest rate with the promise of an increase in credit amount and a interest rate reduction after making on time payments after XXXX year. My company as made all payments on time and has also requested an increase in credit limit. We were declined an increase in credit with no explanation. When trying to make payments online through their mobile app there was often problems with the mobile app where i had to call PNC BANK an speak to a representative to get the bill paid. I was told by each representative that this will not be a problem in the future. It is a constant problem when trying to conduct business when making payments and purchases.
Company Response:
State: PA
Zip: 19142
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: Trouble during payment process
Subissue:
Consumer Complaint: I sent my mortgage company PNC Bank a check on XX/XX/XXXX for the amount of {$1600.00} via my bank bill pay system. On XX/XX/XXXX I received a letter that my XX/XX/XXXX payment was overdue. I called PNC and they recommended that I pay online and cancel the original check since they have never received it. I declined that option and contacted my back first. Upon contacting my bank they told me that the check was sent on the XXXX, endorsed by PNC bank on XX/XX/XXXX and cleared on XX/XX/XXXX. I once again called PNC bank they they told me to fax a copy of the front and back of the check. I did. They then told me that until they find where the money has went, they can not credit my account. I called a few days later and they then told me to email the front and back of the check. On the phone they acknowledged that the endorsement on the check was PNC bank and my funds were sent and received but once again, they stated that until they determine where the money was deposited, they can not credit my account. I have attempted to call XXXX times today and have been put on hold and disconnected all XXXX times It is XXXX days since they deposited my check and still no funds have hit my mortgage account.
Company Response:
State: CA
Zip: 94587
Submitted Via: Web
Date Sent: 2021-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: on XX/XX/2021 my PNC Bank online banking was hacked and a fraudulent wire was sent for {$19000.00} from my account. The bank investigated and said there was no error on their part and wont refund the fraudulent transaction. In a XXXX sentence letter they said the case is closed and I am out {$19000.00}. This is beyond unacceptable and caused a multitude of hardships in my life.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2021-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: As a consumer and natural person, I am exercising my right to rescind the following transactions : XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX {$22.00} ; XX/XX/2021 ATM WITHDRAWAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA {$60.00} ; XX/XX/2021 XXXX XXXX XXXX VIS XXXX XXXX GA XXXX {$35.00} ; XX/XX/2021 XXXX # XXXX VIS XXXX XXXX GA XXXX {$16.00} ; XX/XX/20XXXX XXXX # XXXX XXXX XXXX XXXX GA XXXX {$51.00} ; XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX {$6.00}
Company Response:
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2021-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-30
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I had an account with BBVA, it was bought by PNC Bank. I got a letter saying if I do nothing my account will be moved to the new bank. I did not want an account with this bank so I followed the steps to opt out of the transfer. Then I kept getting statements for the new account I did everything possible to stop from being created. I got a statement for the last three months and every month I call and they tell me they will close it. It should have never been created in the first place but its completely ridiculous they keep the account open after multiple attempts to close it.
Company Response:
State: CO
Zip: 80239
Submitted Via: Web
Date Sent: 2021-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Dear Sir or Madam, XXXX. BBVA USA Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 60 days late on this account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with BBVA USA and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( XXXX ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. ( XXXX ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( XXXX ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section XXXX666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( XXXX ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( XXXX ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( XXXX ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( XXXX ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response:
State: CA
Zip: 91764
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-29
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I called PNC bank because I couldnt transfer money from my checking account to my home equity loan .On XX/XX/XXXX The first person I spoke to was XXXX I wasnt happy with the way she was speaking to me so I asked for her supervisor, she stated they do not have a supervisor, then I asked for their corporate office number she gave me the number I just had called? This time I spoke to XXXX on XX/XX/XXXX and stated I wanted to file a complaint against XXXX of PNC customer service he tool my information said someone will contact you within 24-48 hours. It took XXXX days when XXXX contacted me and said exactly the same thing that PNC only has XXXX contact number which is true because I went on the PNC website it only has XXXX contact number. I then received a email from XXXX on XX/XX/XXXX and then tried to contact her by phone and email and got no response. I finally researched on XXXX and found a phone number that I called and spoke to XXXX she took my report and again stated someone would contact me within 24-48 hours I told XXXX thats not true she then changed her response that it would be 3-7 days because of all the complaints they are having. I then asked to speak to her supervisor XXXX and told her my concern with their bank not posting my purchases and the complaint I wanted to file against XXXX. She the argued with me that their website has more than one contact number I disagreed with her and asked her to go on her own bank website PNC. She then came back on the phone after a brief hold and stated that I was correct so she lied to me. I went on their XXXX page and started to read thousands of complaints against PNC! I also saw a lot of complaints on XXXX, XXXX about how rude their customer service is and that there is only XXXX phone number to contact PNC. My first phone call I had to wait XXXX hours and no one answered so I tried the next day same thing happened. I then decided to go to XXXX of their locations in XXXX XXXXXXXX XXXX. The branch manager was extremely nice and tried to help I asked her I was trying to transfer funds from my checking account to my home equity loan on the PNC bank. She asked for my phone and tried also she had no luck she then attempt to call their corporate office for help sorry to say same thing happened to the branch manager no one answered. She then opened a book to try to find a number to call and did. She stated its a nightmare working for PNC. My concern is that it XXXX days to actually speak to someone XXXX the supervisor XXXX who got upset with me because I was correct that PNC only has XXXX contact number she then hung up on me after I waited a hour to finally speak to someone. Please read the reviews on the PNC XXXX pageXXXX XXXX and XXXX and you will see all the complaints!
Company Response:
State: TX
Zip: 78233
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-29
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, XXXX removed {$990.00} from my checking account. The money was sent to a XXXX XXXX XXXX XXXX XXXX in California. The money was sent using XXXX/PNC. Ive called and emailed PNC several times with out results! This is XXXX/PNC fraud !
Company Response:
State: PA
Zip: 15068
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A