Date Received: 2021-11-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: 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. I want an answer immediately.
Company Response:
State: NC
Zip: 28173
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-20
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: XXXX ( now PNC ) does not provide transparent and proper disclosure of fees and costs associated mortgage/refinance products. PNC 's claims of " fair lending practices '' are false. PNC 's disclosures are far removed and misrepresent any claims or commitments to " good lending practices ''. PNC also used deceptive practices to lure us into the mortgage transaction, and conveniently " timed '' the closing dates so that we were stuck with them and risked the lock-in date- thus forcing us to give in to PNC 's fees and charges. We had current mortgage with XXXX since XXXX. We started the refinance process in XXXX XXXX. We were advised to start a HELOC and were told we would be able to convert that HELOC via an inhouse transaction *with minimal to no closing costs*. We were also told the appraisal charges would be waived at the time of converting the HELOC to a refinance mortgage. So, we provided all the paperwork and details and got a HELOC approved in XXXX. In XXXX we took the HELOC loan and started on the conversion to refinance 10 days later in XXXX- with intention of converting it right away to the refinance mortgage per advise from the Loan Officer. In XXXX, XXXX the refinance transaction never happened in the manner we were told/sold. It dragged on with restarting the entire underwriting process, second set of costs and appraisals, and multiple delays due to " merger '' chaos/confusion. Then we were told, this would be a full transaction. i.e. full closing costs and full appraisals, and sorry but NO lender credits to make us whole for the ( mis-represented/mis-communicated ) offer to refinance with a minimal cost product.
Company Response:
State: CO
Zip: 803XX
Submitted Via: Web
Date Sent: 2021-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-19
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: XXXX XXXX I went into local XXXXXXXX XXXX PNC Bank branch and changed address from XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX to XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX All statements have been received to date at the XXXX XXXXXXXX XXXX address for account in question. XX/XX/XXXX I received a notice of unclaimed money from a XXXX XXXX XXXX ( private company ) offering to reclaim child 's XXXX funds for a fee of {$910.00}. XX/XX/XXXX I called PNC toll free customer service number and waited 30 minutes - no one answered. XX/XX/XXXX I called PNC special fraud number, waited ten minutes, got a ring tone, rang for 50 times and I eventually hung up since no one was going to answer. XX/XX/XXXX I called PNC XXXXXXXX NC local branch and spoke with branch manager, XXXX XXXX, who informed me that account was closed due to inactivity and all funds were transferred to State of NC. I mentioned that I never received notification from PNC alerting me to the fact that there was inactivity and account would be closed. XXXX XXXX stated that a letter went out in XX/XX/XXXX. I have been receiving all statements for this account at my XXXX address but not this notice. XX/XX/XXXX I called the State of NC and spoke with XXXX who informed me that PNC transferred my daughter 's college funds ( XXXX Account ) to the State of NC on XX/XX/XXXX. They had an address on file of XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. This was my old address. PNC had my XXXX address. Why, then, did they send the notice of inactivity to the wrong address? Why do they have the right to cancel a XXXX account since I can not legally take out funds until my daughter turns XXXX? XXXX from State of NC submitted claim # XXXX and it will take 90 days for me to receive my daughter 's college funds. Question : Who is responsible for the {$20.00} fee that PNC is charging me for escheatment? Question : What will be the tax implications for closing a XXXX account prior to daughter turning XXXX? None of this was my fault. Thank you. Regards, XXXX XXXX
Company Response:
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-19
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On Wednesday, XX/XX/XXXX I noticed that two payments had been taken out of my checking account by PNC Bank. I had only paid and submitted one payment with confirmation number. I called the PNC offices on Wednesday morning talked to one individual who said theyd put the money back in my checking account. They took the routing and check account number and she put me on hold. The total call was 58 minutes I was on hold for 45 minutes. While I waited about 30 minutes I called on my cell phone and another individual answered I told them I had been on hold for 45 minutes and I was done that I wanted to have this handled. This one at least explained something about a computer glitch where multiple people had multiple payments taken out. I was lucky apparently to just have two so she took the numbers and assured me the money would be put back in my account by Thursday morning. It is now Friday and no money. So I called again today- she informs me that the worker didnt hit the button to push it through. She does and tells me the money wont be in my account until the XXXX of XXXX. Which is unacceptable given their mistake and that it is a week before I get my money returned. Therefore making my accounts overdrawn, due to having other expenses already taken out and not budgeting for two car payments. I believe they are a complete fraud and have no intentions of returning the payment.
Company Response:
State: VA
Zip: 246XX
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-19
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Good Afternoon, I'm contacting you in reference to issues with my account # XXXX with PNC Bank.I have continuosly reached out to PNC bank concerning a XX/XX/XXXX late payment showing on my XXXX and XXXX credit report. I initially had bewn in contact with XXXX XXXX in executive client relations on XXXX XXXX XXXX corrected other issues with my account, but never removed the XX/XX/XXXX late payment.I reached out to CEO XXXX XXXX via email on XX/XX/XXXX whom referred me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX emailed me on XX/XX/XXXX and assured me she would look into the issue further. I asked for a detailed payment history and XXXX XXXX XXXX sent me a payment history with no dates or reference to payments.I emailed XXXX XXXX XXXX on XXXX XXXX informing her that the payment history she sent me showed no XX/XX/XXXX late payment and asked her to remove it. I received no response from XXXX. I emailed CEO XXXX XXXX on XX/XX/XXXX and forwarded the e-mail between XXXX XXXX and myself.I also sent a certified letter with return receipt to CEO XXXX XXXXPNC Bank hasn't updated my account on my credit report since XX/XX/XXXX. I can not get anyone from PNC Bank to resolve this issue on my behalf.
Company Response:
State: GA
Zip: 30078
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/21 I noticed that my debit card kept declining. It was the evening time when I logged into my online account and noticed it said my debit card had been closed. The next morning I called and customer service gave me another number because they didn't understand what was going on but continued to tell me that on XX/XX/21 they were closing my account completely. I was in shock and she could not tell me why they were closing the account but gave me this statement that was given to me by everyone I spoke to on today, XX/XX/21. I called the number and they said oh we don't know but PNC doesn't have to tell you why we are closing your account. I have several bills that come out of that account as well as my direct deposit. I have been a customer of PNC Bank for almost 15 years so the least they can do is tell me why they're closing my account. I am disgusted that they would treat a long time customer like this. I also went into thE branch and the lady looked through my account and said she seen no suspicious activity so she was just as confused as me. Please help.
Company Response:
State: IL
Zip: 60623
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was a client of BBVA bank, which was purchased by PNC bank. I received a letter from PNC stating that as from the date of the takeover, I would be able to access my account on PNC using the same user name and login I used to have for BBVA, but this is absolutely not true. I called the number indicated by PNC and the person told me the only way I could get a new pin to access my account was to send a letter to the bank in XXXX and wait for a new letter with a pin. Sent the letter, never got a response. Then I received an email from a so called " Case Manager Retail Support '' asking me to get in touch. I called several times, replied the email with my contact info and never got a call back. I am still unable to access my bank account and I have mortgage payments being debited in such account, I need to have access urgently. The bank renders a lousy service and simply ignores the clients.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Hello, My BBVA Bank credit card ( ending XXXX ) had many fraudulent charges starting on XX/XX/2021. This was due to a massive breach affecting other XXXX accounts. I made numerous efforts to have XXXX acknowledge the breach, which they never did. I got some minor resolution and paid off the balance just to move on. I'm a XXXX XXXX, aged XXXX and didn't have the energy to keep fighting them. I requested to have the account closed and was assured it will be done, well prior to completion of acquisition of BBVA by PNC. This morning I started getting alerts from credit monitoring services that PNC has reported my credit card account as 30 days late and it has severely damaged my previously stellar XXXX credit record. I'm very upset at this terrible behavior first by BBVA and now PNC.
Company Response:
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts are not mine and are affecting my credit report. PNC BANK Account Number : XXXX XXXX XXXX Account Number : XXXX
Company Response:
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: PNC Bank XXXX XXXX XXXX credit Bureaus are reporting me late in XX/XX/XXXX & XX/XX/XXXX, I paid 3 payments ahead anticipating major surgegy. PNC or Credit Bureaus have not been of any help The one account due to neglience dropped my score 100 points.
Company Response:
State: NJ
Zip: 07024
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A