Date Received: 2021-10-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Company Response:
State: CA
Zip: 93722
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Previous complaint filed with you guys XXXX This is ridiculous the bank keeps saying.they need more time but there are time-frame to follow and they're not. So what do you guys do to help??? It's been 2 or more months since I first filed complaint.
Company Response:
State: AZ
Zip: 85546
Submitted Via: Web
Date Sent: 2021-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am trying to cooperate and solve this issue with my account being on hold I have attached a copy of a notarize affidavit of truth I've mailed off certified to PNC XXXX investigator XXXX XXXX showing proof of my identity and clarifying and clearing up what happened to lift the hold on my account and will like to continue communication in writing.
Company Response:
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2021-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I had a Simple.com account. BBVA USA bought Simple and transferred everything over, which was a nightmare ( and a different story ). Now, PNC has bought BBVA, so I went from having a Simple account with customer services reps in the US who were friendly and helpful... to BBVA and now PNC reps in XXXX who are rude and refuse to help me close out my account. My account was transferred without any agreement from me on services and fees. I have now been charged an " overdraft fee '' when I haven't even used the account since the transfer. The account is {$23.00} negative after a {$32.00} fee- if you do the math you'll see that my account wasn't actually negative until their fee. They now refuse to close my account and even hang up on me when I ask for a supervisor. This is the worst banking experience of my life.
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I applied for a home equity line of credit with PNC bank on XX/XX/21. I filled out an application online and spoke to a loan officer on the phone. I was given an application number and a secure account to log into that required me to put in the last 4 of my social security number. I was then sent secure communication from XXXX XXXX at PNC bank. She request that I send documents to support my application which I did on XX/XX/21 including proof of my income, information about my current mortgage. I received a call from her on XX/XX/21 saying that my income had been verified and that I would hear soon about an appraisal. I called on XX/XX/21 as I had not heard any updates and asked when the appraiser would be out to see me. She asked that I verify the last 4 digits of my social security number. When I gave her the numbers she said they did not match the application. This to me did not make any sense as I had to enter the last 4 digits to open documents to the application and had given my information on a recorded line and given the correct social security number. I asked to speak with a manager and voiced my concern about my security and this error with my social security number. She offered an apology without any explanation of how this could have occurred. I am concerned about when this error might have occurred in the process, if there is some inaccuracy or misdirection happening and that another person 's credit was ran for this loan given they had the wrong social security number.
Company Response:
State: PA
Zip: 18015
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My complaint is with the CFPD. I wrote to you in a lengthily letter about PNC Bank. I had to use my retirement money to pay off the loan to stop the interest accumulation. They had no clue what they were doing and could not give me a payoff with an explanation for 10 months. The supervisor I spoke to even admitted in his 35 years in banking he never dealt with anything like this. They were supposed to be the experts and I was supposed to be the consumer that was able to rely on there advice. Their advice was dont worry about the interest it goes to the back of the loan and if you pay off the loan you wont pay that interest. This turned out to be untrue In addition to using my retirement money it cost me {$15000.00} in interest. On the last day of the 60 days they had to respond they sent you a letter saying they checked everything and it was OK. You just excepted their response and close the claim. I thought you were a consumer protection agency not a bank protection agency. I am now writing to ask you to contact PNC Bank and request they refund my interest.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XX/XX/2020, we contacted PNC Bank to inquire about the Covid19 Relief Program. We specifically asked about the deferred payments and how they would be collected. We were assured that the deferred payments would be added to the back end of our mortgage and we could resume payments up to a year after entering the program. After about 8 months we started to received paperwork about entering into some sort refinancing program that was never discussed or disclosed when we contacted PNC to enter into the Covid19 Relief Program. When we called to inquire about this paperwork, we were informed that we needed to pay back the deferred payments, {$11000.00} plus, not at the end of the mortgage as previously discussed and assured by PNC or enter into this refinancing program. We spoke to the PNC employee, XXXX, assigned to our case and informed her of what was discussed and agreed upon. She kept referring us back to the refinancing program that we informed her was never discussed with us at the start. XXXX admitted that there were no guidelines to this program and she herself was unsure about the details of how the program works.
Company Response:
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2021-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: SUMMARY : There have been multiple unauthorized changes to my account that occurred internally to the PNC system. PNC has not been transparent in the handling of this security breach on my account. FULL DETAILS : XXXX XXXX : I reviewed my account statement and noticed the address on the document was a completely different address based in Colorado. I nor the authorized user on the account have or had any association with this address whatsoever ( which is on the other side of the country ) Upon review of old account statements, it appears the address was changed in XXXX or XX/XX/XXXX. In statements prior to the XX/XX/XXXX to XX/XX/XXXX statement, the address was correct. I never authorized this change and I was never notified of this change in address. I raised the issue with Online Support immediately and changed my password as a precaution ( even though the password is not shared with other accounts ). The specialist indicated there was no record of the address being changed in their internal system. She did the following : ( 1 ) corrected the account address and ( 2 ) escalated the issue to the PNC security team for review. She also said I should be receiving a letter in the mail confirming the change in address. XX/XX/XXXX : I received a call from Retail Support, I described my issue and they then sent to the security team for review. Week of XX/XX/XXXX : Security team called me and told me the security issue has been resolved and no further details can be provided. I asked how the change happened and what else has been compromised ( account information, identity, etc ). The specialist said no further details can be given. This raises my concerns further as to why PNC is not being transparent in the nature of the breach and they are not providing any guidance whatsoever on what corrective action needs to be taken ( no suggestion to change password, freeze credit, etc. ) XX/XX/XXXX : I go to my local branch and remove the additional authorized user from the account. XXXX XXXX, XXXX : Through online chat, I request closure of the savings accounts in my Virtual Wallet account ( Reserve and Growth ). Checking account ( Spend ) remains open. XX/XX/XXXX : I access my account online to review my debit card settings. I am unable to find my settings so I use online chat for assistance. After some discussion, the support specialist says my debit card was closed on XX/XX/XXXX. She is unable to provide any detail on why it was closed. Same as before, I never authorized closing the debit card and I was never notified of the closure. I am still in possession of the debit card which was good through XX/XX/XXXX so it wasnt expired nor lost. It was also not inactive as I was using it frequently during that time and even used it that same day on XX/XX/XXXX. XX/XX/XXXX : After much confusion and frustration regarding the administration of my account, I visit my local branch to review this whole issue in person. The branch banker confirms the debit card was reported lost/stolen on XX/XX/XXXX. He was not able to confirm who reported it lost. He also could not find any record of the address change in XX/XX/XXXX. This raises the question was a security review even performed in early XXXX XXXX if they did not even find the debit card closure during the period in question? I am discovering issues on my own, why isnt PNC sharing the extent of the breach? If my debit card was reported stolen, why didnt PNC notify and re-issue a new card? What is the extent of the breach?
Company Response:
State: NJ
Zip: 08807
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Used to have my mortgage payment to XXXXXXXX XXXX XXXX XXXX they sold it to pnc and pnc bank making a hard time to take a payment I dont know what to do I tried XX/XX/XXXX to make a payment so I got a person and explain it cost XXXX dollars or simple to do it by the automatic system so I follow the instructions but couldnt get true Would appreciate to to switch back to XXXXXXXX XXXX XXXX XXXX there was so simple
Company Response:
State: NY
Zip: 10950
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: One year ago, fall XXXX, I received a letter saying that my checking account with PNC would be closed if no further action was taken. I called PNC, the customer service agent informed me that she had no idea why I received the letter, and to ignore it, the account would not be closed. XX/XX/XXXX I received the same letter. Given the previous my previous experience, I ignored it. XX/XX/XXXX, my checking account was closed without any additional communication. I found out my account was closed due to a failed transaction. I called the company and asked for more information, she said that " the company reserves the right to terminate their relationship with a customer at any time. '' They could not even provide us with a tracking number so that we know when we will receive the check in the mail for over {$13000.00} USD. I've been a 15 year customer, with no account issues or problems in the past.
Company Response:
State: TN
Zip: 37415
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A