Date Received: 2021-11-19
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Received text from XXXX stating that my bank account was inoperative and to contact them immediately at an XXXX number. When called sounds legitimate asked for personal info XXXX #, pin for debit, and debit card number and expiration date and security code for that debit. XXXX was given however when I contacted my bank it was not from them and nothing they were aware of. Ultimately had to call social security XXXX and all XXXX credit companies to protect myself as well as lock and cancel that card.
Company Response:
State: PA
Zip: 151XX
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: A few months ago I started receiving emails from PNC stating that I had an account that was low on funds. I immediately contacted them by telephone to explain that I had no account with them and to please remove my email from the account in question, as these alerts were clearly not applicable to me. Despite repeated attempts to call and email them to stop this practice it has continued on a daily basis. I do not know if someone has stolen my identity and is using my email for a fraudulent account, I really have no idea what is happening here, but PNC is clearly non-responsive to my concerns.
Company Response:
State: CA
Zip: 945XX
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section XXXX of the XXXX XXXX : XXXX. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section XXXX ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( XXXX XXXX XXXX XXXX ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA XXXX ( XXXX U.S.C XXXX ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. PNC BANK & {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section XXXX ( XXXX ) Block of information resulting from identity theft. XXXX. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: {$2000.00} Payment was made XX/XX/XXXX for my XXXX payment but not applied to my account. I received a statement that said no payment was made. I have the cancelled check showing it was received XX/XX/XXXX. The check was faxed to the number PNC provided for proof but no response. I made another {$2000.00} payment XX/XX/XXXX to make sure my XXXX payment would be there early to avoid any more issues. I got my XXXX statement and it showed 3 payments ( {$2000.00} on XX/XX/XXXX applied to other, {$2500.00} was broke into 2 payments {$1900.00} applied to interest and {$71.00} applied to another interest. ) and a late charge. I called PNC to get this corrected and I get the run around. One customer service member actually lied to me and said the account was good, no late charge, next payment was due XX/XX/XXXX. I asked for proof and was instantly transferred to another department. Once I got back to the correct department, I was told to call the collections department as my account was past due and they would let me know what needed to be paid. I asked why the payments got applied the wrong way and why they cant fix it. I was told I have to talk with a supervisor but they would not transfer me to a supervisor
Company Response:
State: CA
Zip: 90720
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : BBVA USA XXXX Balance : {$0.00} ; BBVA USA XXXX Balance : {$0.00}
Company Response:
State: TX
Zip: 76140
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Dear Sir My son, a student @ XXXX NJ., Had opened an account with PNC bank, XXXX nj. On XX/XX/XXXX he was the victim of a scam from a job recruiter posing for a very reputable bank and who provided him an appointment letter after an interview and a printed check [ emailed ] for XXXX $ for expenses part of which [ XXXX ] was to be paid to a vendor for training material. He deposited the check and the funds appeared which he used to pay off the vendor using XXXX. The next day he was notified that the check was rejected. He called me and In turn I called up the bank and explained the matter to them. The representative told me that these things happen occasionally as she verified the check and issuing party and saw no reason for caution. So my son reached out to his supposed employer and he was emailed another check for the same amount. This process repeated 3 times before he realized that it was a scam. All 3 checks cleared and bounced resulting in an overdraft of XXXX XXXX I went to the bank personally to get some clarification as to how they allowed a student account to go into overdraft, why there are no fraud control in place for incidents like these where an attempt has been made to solicit help as well as why they could not provide guidance or caution when I called the first time. Even on that visit the banker was still not convinced it was a fraud. My sons account was then frozen. On the banks recommendation I made a Complaint with the police @ XXXX providing all the transcripts of the conversation between my son and the fraudsters. I was also asked to provide the same info to PNC bank. I was then contacted by a representative of the bank. I asked for the next steps since my family has suffered great distress and anxiety through this incident. I was told that the bank would get back to me after their investigation and that I should open a new account for my son till then After waiting for 3 weeks without a resolution I open a new account for my son on XX/XX/XXXX depositing XXXX XXXX Yesterday XX/XX/XXXX he called me in a panic at around XXXX and noticed his account was in overdraft for XXXX XXXX Needless to say after a harrowing and painful experience, this was a real panic for us again as we tried to figure what is going on. After many calls, I was able to get a representative this morning [ XX/XX/XXXX ] at XXXX. After explaining everything, she told me that the amount was used to pay off the overdraft on the original account. This is a blatant disregard of trust in the bank and system in general for me as I was given an assurance that I could operate the account for my son who is in a college dorm and needs to have access to funds. I have no clue inspite of visiting the bank today afternoon as there are no Managers or supervisory staff willing to help or provide any guidance. These incidents in its totality from the overdraft facility for students, to the give a XXXX attitude of the bank have left me helpless. Any help or suggestions you provide are helpful Regards XXXX XXXX
Company Response:
State:
Zip: 085XX
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I, XXXX XXXX Consumer and Natural Person, extended my credit to BBVA USA. I have been made aware that BBVA USA committed multiple violations of Federal Consumer Protection Laws Violating my Federally protected consumer rights. BBVA USA has taken adverse action against me as a consumer, slandered my reputation and character, and had no authority or authorization to discontinue my credit. Pursuant to 5 USC 1691d.
Company Response:
State: CA
Zip: 92376
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: In XXXX I opened a checking account at PNC Bank. I added another person to my account in XXXX of XXXX. The proper papers were signed, scanned and are on file with PNC Bank. In XXXX I inquired about how to add my son to the account, but I was told that the other person on the account would have to be present to sign papers. At that point, I decided not to add my son to my account. In XXXX of XXXX, he was added to my account with no authorization.. In XX/XX/XXXX, my bank account was levied by a collection agency trying to collect a debt owed by my son. On XX/XX/XXXX my son attended online court with proof that none of the money in the account was his. He showed my paystubs with matching deposits. The judge ruled in his favor and the levy was lifted. In XX/XX/XXXX, my account was levied again by the same collection agency. I didn't get the necessary paperwork to the court on time, so on XX/XX/XXXX, my money was taken from my account ( {$750.00} ). Since my son is on my account without any authorization, and none of the money taken from my account was his, I would like PNC to refund my money and remove my son from my account. Attached PDF includes : Page 1 - copy of my federal tax return Page 2 - copy of my state tax return Page 4 - copy of my bank statement showing deposits of tax returns and first stimulus check Page 5 - bank statement showing deposit of my second stimulus check. Page 6-8 - bank statements showing no further deposits Page 9 - bank statement showing {$750.00} taken from my account on XX/XX/XXXX
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: BBVA was bought out by PNC bank. We were assured the transition would be seamless. However over the bank transition weekend we had no access to our accounts online. I was unable to access my accounts for several days afterward resulting in overdrafts and fees. Once I was able to regain access my accounts were no longer linked and I was not able to transfer money between them online or through the app but had to either go to a branch or withdraw cash from one account at the atm and deposit it to another ( which didnt always work depending on the status of the atm ). I tried getting help at the local branch but received different responses and no solution. Customer service never answered phone calls. I did not receive help until I posted complaints on social media where I was advised to complete an account linking form and was told the problem would be resolved by the following week. That was XX/XX/XXXX and the problem has not been resolved. The leadership of PNC has failed to acknowledge the distress and inconvenience this transition has caused. I have contacted PNC twice since the XXXX to check the status of my request and have only been told I have to wait for the process to be complete. This process was something I had and appreciated as a BBVA customer and was assured that it would be available to me as a PNC customer. I didnt not ask for this merger to occur and it caused me weeks of emotional distress and extreme inconvenience as a small business owner that continues to occur.
Company Response:
State: TX
Zip: 78582
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Called PNC about closing bank account because I was automatically enrolled into their accounts through the acquisition with XXXX. They are charging a service fee ( which I did not agree to signing up for ) and now saying my account is overdrawn and are trying to charge my overdraft fees for a bank account I'm not even using! I have this all documented and receipts of my calls with them.
Company Response:
State: CA
Zip: 90045
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A