Date Received: 2021-11-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: this loan was opened by this company who had access to my credit report. All transcations on the account was not made by them, this case has been picked up by the FBI and they have provided a letter to give to the bank
Company Response:
State: FL
Zip: 33055
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I am writing to file a compliant against PNC Bank PNC Bank Headquarters Corporate Office Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Pennsylvania XXXX United States XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX I am not liable for this bank fraud and I did not incur debt for XXXX that occurred on XX/XX/21. This is " Bank Fraud. '' I am not responsible for this debt. PNC failed to help me as I was told " I did not have anything to worry about. '' I later received a letter, stating the account was closed and that investigation was over, returning the cents that were in the account prior to fraud. I wrote a l letter of dispute to XXXX on XX/XX/21 asking for more validity, after receiving a letter 2 months later for debt collection that I did not occur ; after bank told me " I did not have anything to worry about. '' They responded with bank transactions, holding me still responsible. I did not incur this debt. I am seeking a lawyer for counsel for this bank fraud I am being held responsible for. I want to be extricated from this fraud and not be held responsible nor do I want it on my credit report that I worked so hard to keep in good standing. I am a victim of identity theft.
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Without my knowledge and consent, PNC fraudulently opened a checking account XXXX in my name with the initial amount of {$0.00}, and started sending me the bank statements and the letters demanding from me to fund the account with a certain amount of money, otherwise they would charge me a fee. For the last two weeks, I've been trying to close that account. On all those occasions, PNC transferred me to the non-working tel. extension. Today, after my legal warning that I would sue them, after 2.5 hours of waiting and constant transfers they let me speak with the manager who informed me that ... once an account is open somehow at PNC, it can not be closed without the authorization of the top bank executives, and, perhaps, I could submit a request for the closure by personally visiting a PNC branch. The closest to me PNC branch is 40 miles away from me. PNC is engaged in the financial fraud by opening the unauthorized accounts and prevention of their closure by all means. Thus, they attempt to fraudulently inflate the number of its customers for the stock gain. This swindle must stop.
Company Response:
State: CA
Zip: 95003
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have previously tried to address and deal with PNC Bank, in CFPB complaint # XXXX, but PNC BANK knowingly and willing still commits fraud against me and I am sure many other consumers and I am requiring assistance from the Consumer Financial Protection Bureau XXXX In response to my initial claim, PNC, BANK sent Exhibit ( 1 ) to the CFPB, which they referred to as Retail Installment Sale Contract ( the Note ), in Paragraph 5. Pursuant to UCC 3-104 Negotiable Instrument ( e ) An instrument is a " note '' if it is a promise This contract is a consumer credit contract and as described in 16 CFR 433.1 ( i ) an instrument, and under UCC 3-104 ( a ) an instrument is a negotiable instrument and an unconditional promise to pay, no different than a dollar. I, XXXX XXXX, natural person and consumer has reason to believe and do so believe this instrument constitutes as payment under the negotiable instruments act and has fully paid for this transaction on the date of consummation. Based on the above, my contract and obligation was fully paid once I, XXXX XXXX, a natural person put my autograph on the Note on XX/XX/XXXX. PNC, BANK, states on Exhibit 1, page 2, paragraph 12, As no bank error has occurred, PNC respectfully declines your request for compensation in this matter Due to nonpayment, the Vehicle is as risk of repossession. PNC BANK, still continues to state I owe balance and threaten to repossess a vehicle, on a Note that was autographed on XX/XX/XXXX. Exhibit ( 1 ), page 1, paragraph 6, PNC BANK states : On page 1 of the Note, in the section titled No Cooling Off Period, it states that state law does not provide for a cooling off or cancellation period for this sale. PNC BANK, knowingly and willingly commits fraud on their own contract ; Exhibit ( 2 ), page 4, number 6, Applicable Law, Federal law and the law of the state of our address shown on page 1 of this contract apply to this contract. Pursuant to 15 USC 1635 Right of recession as to certain transactions ( a ) Disclosure of obligors right to rescind Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. Pursuant to 16 CFR 433.1 ( f ), was intended to be a written agreement with full willful disclosure as required in the Truth in Lending Act in order for I the affiant, to be able properly contemplate any concerted and or cooperative activity between I, and PNC, BANK. Upon discovery, I have reason to believe and do so believe I did not receive such disclosure. Pursuant to 12 CFR 1026.23 ( b ) ( 1 ), I was never given full disclosure, notice of the right to rescind. Pursuant to 12 CFR 1026. 23, upon the right to rescind this transaction, I am no longer liable for any finance change. PNC BANK, must terminate any security interest, return any money or property, earnest money, down payment or otherwise past payments and because the property has been delivered and in my possession I have the right to retain possession of the property. In accordance with 12 CFR 1026.23 ( d ) Effects of recession, Paragraph 23 ( d ) ( 1 ) Termination of security interest. Any security interest giving rise to the right of rescission becomes void when the consumer exercises the right of rescission. The security interest is automatically negated regardless of its status and whether or not it was recorded or perfected. Under 1026.23 ( d ) ( 2 ), however, the creditor must take any a ction necessary to reflect the fact that the security interest no longer exists. Paragraph 23 ( d ) ( 2 ) Refunds to consumer. The consumer can not be required to pay any amount in the form of money or property either to the creditor or to a third party as part of the credit transaction. Any amounts of this nature already paid by the consumer must be refunded. Any amount includes finance charges already accrued, as well as other charges, such as broker fees, application and commitment fees, or fees for a title search or appraisal, whether paid to the creditor, paid directly to a third party, or passed on from the creditor to the third party. It is irrelevant that these amounts may not represent profit to the creditor. In the case of any consumer transaction in which a security interest including any such interest arising by the operation of law, meaning not limited only to a principal dwelling, but any contract which includes a security interest, the obligor shall have the right to rescind the transaction until the midnight of the third business day following the consummation or the day the agreement was signed. The rescissions forms are required and must be delivered together with a statement containing the material disclosures required under TILA. In addition, the creditor must clearly and conspicuously disclose, in accordance with regulations of the Consumer Financial Protection Bureau. That was completely disregarded by PNC BANK ; another effort of willingly and knowingly committing fraud by not telling me, XXXX XXXX, natural person, that I had the right to rescind. Due to the failure of PNC, Bank to disclose this required information, this right can be exercised three years after the date of consummation of the transaction or upon the earlier sale of the property, or upon the expiration of one year following the conclusion of the proceeding, or any judicial review or period for judicial review thereof, whichever is later. Being that this contract was signed XX/XX/XXXX, I am within the allotted time frame. In accordance with 15 U.S. Code 1635 and UCC 3- 306 to rescind any power of attorney which may have been used in connection with this transaction which includes any derivative, hypothecation, trades, transfers of possession, whether voluntary or involuntary involving any and every instrument which may have occurred unbeknownst to me. PNC Bank needs to disclose full documentary evidence ( private and public ) on this instrument, and ; Pursuant to 12 use 1831n ( 2 ) ( A ) Uniform accounting principles consistent with GAAP Subject to the requirements of this chapter and any other provision of Federal law, the accounting principles applicable to reports or statements required to be filed with Federal banking agencies by all insured depository institutions shall be uniform and consistent with generally accepted accounting principles. Without the full audit trail, accounting and insurance, the alleged debt can not be validated. I, XXXX XXXX, natural person should be provided these documents for this instrument that I autographed in order to properly XXXX the alleged debt and hoe PNC, BANK has accounted for this transaction and derivatives of this transaction. Exhibit ( 2 ), page 1, section Notice NOTICE : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER I, XXXX XXXX, natural person paid {$5000.00} ( XXXX XXXX dollars ), therefore the incorrect notice was on the contract. My note was to state notice ( b ), not notice ( a ). PNC, Bank did not meet the requirements as established in 16 CFR 433.2 ( b ). Pursuant to 16 CFR 433.2 ( b ) : Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER Pursuant to 15 USC 1605 ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge is the sum of all charges. Interest, deliver service fees, loan fees, premium insurance to cover any defaults, broker fees, insurance for the vehicle and insurance to cover health, life, accident, and gap insurance, are all included in finance charge. The finance charge does not include type payable in a comparable cash transaction meaning finance charges can not have cash or a down payment of cash involved. I, XXXX XXXX, natural person, paid XXXX XXXX dollars ( {$5000.00} ) cash and gave a XXXX XXXX XXXX XXXX with a trade in value of XXXX XXXX and XXXX XXXX ( {$30000.00} ) and a Dealer service fee of XXXX XXXX and XXXX XXXX dollars ( {$390.00} ) and has proof of this violation in Exhibit ( 2 ), page 2. Willing and knowingly told me I had to pay the above in order to obtain the car. When the instrument paid for this transaction in full. Exhibit ( 1 ), page 1, paragraph 8, PNC BANK, states : The section titled Insurance you must have on the vehicle states you agree to have physical damage insurance covering the loss of or damage to the vehicle for the term of this contract. Please refer to page XXXX of the Note. Pursuant to 15 USC 1605 ( c ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained. Never was the insurance, that I was told I was required to have included in the finance charge. I had to pay separately. Pursuant to 12 USC 24 Corporate powers of associate Seventh. To exercise by its board of directors or duly authorized officers or agents, subject to law, all such incidental powers as shall be necessary to carry on the business of banking ; by discounting and negotiating promissory notes, drafts, bills of exchange, and other evidences of debt ; by receiving deposits ; by buying and selling exchange, coin, and bullion ; by loaning money on personal security ; and by obtaining, issuing, and circulating notes according to the provisions of title 62 of the Revised Statutes. No where in this section does it state Banks can loan credit. Banks can only loan money on personal security. Exhibit ( 2 ) page 1, under section ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. Exhibit ( 2 ) page 1, under section FINANCE CHARGE The dollar amount the credit will cost you Exhibit ( 2 ) page 1, under section Amount Financed The amount of credit provided to you or on your behalf Exhibit ( 2 ) page 1, under section Total Sale Price The total cost of your purchase on credit, including your own down payment of PNC BANK, is fraudulent operations in a capacity they are not legally authorized to do. Pursuant to 15 U.S. Code 1601 ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. PNC BANK, willingly and knowingly operates in a deceptive capacity on a daily basis. The response from PNC BANK shows they willingly agree to defraud consumers and stand by their fraudulent, misleading and deceptive documentation. As a consumer, the abuse that I have suffered financially and mentally is overwhelming. These practices are completely inaccurate and deceptive to consumers as we have trust in banking institutions. I am a litigious consumer and I fully intend on pursuing litigation in this matter to enforce my rights a Federally protected consumer on the abundance of fraud committed by PNC BANK. In addition, I will request that the original note be produced in court.
Company Response:
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: To whom it may concern : Almost a year ago, my PNC bank account was hacked into. This was my student account with my father tied into it. Once the perpetrators acquired my bank account information, they opened a XXXX account in my name. I have tried to dispute these charges with PNC bank as well as XXXX, both have failed to reimburse me any of the money I have lost. These accounts were made on XX/XX/XXXX. The total charges in the XXXX account are {$5400.00}. On XX/XX/XXXX, three charges were made. One being, {$1000.00}. The second charge being, {$460.00}. The last charge on XX/XX/XXXX was {$1500.00}. Then three days later, on XX/XX/XXXX, there were two more charges made. The first charge of XX/XX/XXXX is XXXX. The second charge was {$880.00}. When XXXX was used, there were four total transactions made. This overall burden totals to {$1900.00}. On the day the account was used for the first time ever, there were two transactions made ( XX/XX/XXXX XXXX ). These transactions being {$500.00} each. The two other charges were filed on XX/XX/XXXX. These transactions were {$500.00} and {$460.00}. There was one last transaction made on XXXX on XX/XX/XXXX, however this was denied and never went through. When these fraudulent transfers were made, there were checks being put into my PNC bank account. These checks being deposited on XX/XX/XXXX, through XXXX XXXX. Collectively, there were six fraudulent checks deposited into my bank account. On XX/XX/XXXX, there were two total checks deposited. One check for the amount of {$600.00}. The second check being {$1800.00}. The following day there were two additional checks deposited. In order of the amount of deposits were {$640.00} and {$1800.00}. The last deposits that was made was on XX/XX/XXXX. Those deposits being the last two fraudulent deposits of the total amount of deposits. One out of the two were {$2200.00}, and the other deposit being {$2600.00}. These checks totaling into XXXX. In addition, all six checks did not clear into my account, they were all insufficient funds checks. Even after my account went into a negative balance and two of the fake deposits were shown invalid, PNC still sent money out to XXXX two days later. I was not notified of these events until after everything happened. I never had my account flagged for suspicious activities, nor did I use my card for large expenditures in the past. My father and I received an email stating that my account was over drafted a week after this started, on XX/XX/XXXX. After many phone calls with XXXX, I was told that this was being done in Connecticut from a XXXX server. I have never been to or around the state of Connecticut as I live in Pennsylvania. PNC was unable to provide me any information with help in this case. I was told by PNC bank tellers and the dispute department that this was mainly up to XXXX. XXXX also stated that they would work with PNC to try to find a resolution to my problem. They did not inform me with any kind of information after speaking to them. In XX/XX/XXXX, PNC stated that they would return to us with what would be happening but we received nothing. Nearly a year later, my father and I were sent to collections. The very last person that spoke to us at PNC was XXXX XXXX. She said to my father and I that she would get back to us with an update, however we never received any email, letter in the mail, or phone call from her. If you could please get back to us we both would greatly appreciate it. My father works and I am currently a XXXX XXXX XXXX, so this is devastating to the both us. This was my PNC Primary account number : A concerned civilian, XXXX XXXX E-mail : XXXX Cell Phone : XXXX XXXX XXXX E-mail : XXXX Cell Phone : XXXX
Company Response:
State: PA
Zip: 154XX
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I am writing to delete the following information in my credit profile the item I need deleted are listed in the report I'm a victim in identity theft and did not make the charge. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission I also have enclosed copies of Federal Trade identity theft affidavit. I will appreciate if you delete it as soon as possible as it is hindering me from trying to advance the events in my lifestyle to provide a better life for my family.
Company Response:
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2021 I deposited XXXX in my account using PNC ATM booth. When I got the printed receipts which I saw my balance is lower than my expectation. At once I log in my account in saw many unauthorized charge in my account ; in the name of XXXX XXXX and international fees. I called the Bank and complained and requested to stop any such payments. I have XXXX credit card bills. I deposited money to pay my credit card bill. On XX/XX/2021 I paid XXXX for credit card bill. PNC bank paid my bill. Next day I saw PNC bank make overdraft {$8900.00} and paid again those unauthorized payments though I requested to stop such payment. When I complained about overdraft PNC Bank reversed my credit card bill payment and adjusted overdraft. I tried to talk with with PNC Manager level but no one is available. I met with local branch Manager who also filled a complain. I got the letter from the PNC bank explained that all the charges are correct though I do not have any idea about those charges. I believe PNC bank failed to protect the customer interest. I am a small depositor. How PNC made overdraft in my account? I am very very frustrated with PNC and do not know what to do.
Company Response:
State: FL
Zip: 33437
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: PNC bank took over BBVA. PNC won't let me get my banking history. I have asked them but they will only give me 3 months worth. I need my banking history for tax purposes. Can you help me get my history from them?
Company Response:
State: TX
Zip: 75230
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: BBVA now PNC was under valuing housing/ properties in my minority neighborhood by ~30 %. That lead to underfunding and unfair lending practices. This happened around XX/XX/XXXX 2021. The property valuation by the bank was around {$210000.00} and only weeks later it sold for {$290000.00} and appraisal by the VA. I really this is practice need to be looked at cfpb. All people should get fair lending based on the accurate assessments.
Company Response:
State: TX
Zip: 77005
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX XXXX took out 2 charges on my account in the amount of XXXX and XXXX so when I seen those charges I try to contact XXXX on XX/XX/XXXX and was on hold for a long time so I dispute it with pnc bank so they open up a dispute on XX/XX/XXXX and when they did that I told them that I have an email that XXXX send me and the price was lower than they charged me and my car insurance is no where in being XXXX a month because I wouldn't of took them if it was. So on XX/XX/XXXX they reverse the charge of XXXX and XXXX didn't give me any notice on why and when I called them after I got out of work I called them to find out why they had me on the phone for over a hour and then hung up on me so I got no answer on why.
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A