Date Received: 2021-08-31
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2021 i paid two {$2000.00} charges with my pnc card to a contractor. ( {$4000.00} total ) This was for repairs and supplies for a home repair. The contractor turned out to be a scammer and disappeared with the money and didn't provide the items paid for nor any services. He did the same to numerous other people in my town. I filed a police report and there is even a news report about him. In XXXX, I filed for a chargeback with PNC on once it turned out that the contractor was not going to render any services. I was out of town when the letter for more information were sent and the case was closed. I refiled it in XXXX and sent all the information into PNC for the chargeback. I provided text messages, the police report, XXXX reviews from other ppl that were scammed, the attorney general complaint, etc. I was advised by XXXX ( the pay portal ) to contact my bank for the chargeback to be complete and they will process it and the contractor will have the chargeback on his account. I was advised however that since they are only the portal they can not process the chargeback but with all the evidence i had collected my bank ( PNC ) should not have any issues doing a chargeback. After filing the complaint in XXXX and calling numerous times for updates or to see if any additional evidence was needed, i was told each time that i can not talk to the direct department and i need to wait 90 days and that they would contact me if they needed anything else. after 88 days i received a letter that they don't find it to be fraudulent. In the middle of XXXX, after making a complaint on their XXXX page i was contact by a banker and told that though the letter said the case was closed, it actually is not and they are still having another process that takes 30 days where they demand proof from the other bank that the services and goods were provided. otherwise they can process the chargeback. I posted again on their XXXX page this last weekend about their lack of customer service and the blatant lies being told ( the case is closed but once i made a complaint it suddenly was not ). Today i received a new call again from another banker and was told that they closed the case because of the time frame. I submitted all the ppw in XXXX and was never contacted for anything else and it took them 88 days to say it was because of the pay portal square. Now its something else again. He advised me he would have to refile the complaints again and reopen it and i have to wait another 90 days ( if there is a time constraint 90 days won't help the matter either ). When i questioned him about the information i was given two weeks ago and what the letter said, the banker got extremely rude on the phone and claimed he didn't know what i was talking about and my choices are to refile it again and its probably going to be denied again or i can do nothing. I paid with my bank card for protection purposes and i provided all of the evidence to the bank that this was a fraudulent transaction because the contractor scammed numerous people. yet my own bank refuses to do a chargeback and made me wait almost 90 days to claim a time restraint. then i was told two separate stories but yet my bank offers no protection to me as a customer and the fraud department working on this case, blatantly refuses to ever get on the phone to discuss anything. The bankers that called know nothing about the case either and they keep changing the reasons and requirements every time i call or make a complaint
Company Response:
State: TX
Zip: 78664
Submitted Via: Web
Date Sent: 2021-08-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/XXXX, I requested a mortgage forbearance plan through PNC Bank as my job was impacted by Covid. I was approved in XXXX but continued to make payments in XXXX, XXXX and XXXX. I began to utilize the forbearance plan in XX/XX/XXXX. According to the CARES Act and XXXX XXXX guidelines, payments were considered " suspended '' while on forbearance. No additional interest, fees or capitalization could apply to forbearance plans initiated by Covid. In late XXXX I was called back to work. I immediately called PNC, my mortgage servicer, and said that I would be able to resume payments. After speaking with PNC loss mitigation representatives, I opted to enter into the payment deferral plan which was to take the principal and interest payments that were missed - from XXXX to XXXX - and move them to the end of the loan, payable upon maturity of loan. I began making payments on XX/XX/XXXX. On my XX/XX/XXXX mortgage statement, my principal balance was increased from {$190000.00} ( which was my balance when I entered into the forbearance plan ) to {$190000.00}. I have had several conversations with various representatives at PNC to ask why they added an additional {$5300.00} to my principal amount and they insist they are " required '' to add the 6 months of missed principal and interest to my overall principal amount IN ADDITION to adding the missed payments to the end of the loan. The CARES Act and XXXX XXXX do not allow capitalization which is exactly what PNC is doing. I requested a copy of my payoff to see what the amount owed truly is. This mortgage account was open in XX/XX/XXXX in the amount of {$200000.00}. The payoff, dated XX/XX/XXXX, states that I now owe {$200000.00}. After paying monthly from XX/XX/XXXX through XX/XX/XXXX, I now owe more than I originally took the loan out for? Either the organization does not understand that the CARES Act does not allow for missed principal and interest payments to be moved to the current principal balance or they are attempting to " double dip ''. The documents I have and have agreed to say nothing about adding my deferred principal and interest payments to my principal balance. Adding this amount is essentially adding a penalty fee for entering into a forbearance plan. This " penalty fee '' has costed me almost three years of principal balance payments. It is as if I have only paid {$700.00} to the principal over the course of 3 years. PNC refuses to address this and insists that this is how XXXX XXXX " requires '' they address the missed payments while on a forbearance plan and subsequent payment deferral plan. It is just the opposite really, they are not allowed to add any additional fees, interest, modifications or capitalization on Covid related forbearance plans. They are certainly not legally allowed to adjust my principal with the past due P & I amount but this is exactly what they did on XX/XX/XXXX in the form of a " principal adjustment ''. I need assistance with this situation as my next step is to higher legal counsel. This is fraudulent. I am certain that I am not the only one that this has happened to. PNC is taking advantage of consumers that are already in a tough position due to Covid. This is exploitation. XXXX XXXX
Company Response:
State: IL
Zip: 60462
Submitted Via: Web
Date Sent: 2021-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. PNC XXXX XXXX XXXX XXXX XXXX violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 ).
Company Response:
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2021-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-31
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: on XX/XX/2021 i purchased 3 bags from a seller named XXXX who was on XXXX. i had purchased from her once before through XXXX and never had an issue. ( which now looking back i believe the first transaction went smoothly so i would trust her ) the total of the purchase made on XX/XX/XXXX was {$450.00}. it was agreed that i would send her a deposit of {$200.00} first ( which i did ) and she would then go to XXXX, pay for the shipping label and once she sent me proof of the label and the tracking number i would send her the remaining {$250.00} ( which i did ) i continued to check the tracking number for a week after our transaction and all it showed me was a label was created i reached out to XXXX a few days after it was supposed to ship and she told me to just wait for XXXX to update it. after 8 days with no update and no help from XXXX XXXX decided to call the XXXX store that was on the receipt she sent me. i told the lady what had happened and she said yes i remember her coming in here, the label she paid for is still sitting on my desk, she said she would be back and left with the bags i told this to XXXX to which she now admitted her friend was supposed to ship them out for her. she apparently didnt drop them off herself ( who even knows if thats true ) so i told her to either refund me or just ship me my bags. after a bit of back and forth she said she would refund half in 5 days and the rest a week after bc money was tight for her. well i never saw that money. the last time i reached out was XX/XX/XXXX and she has stopped answering me and even opening my messages. i contacted my bank and told them all of this. that i never received the goods i paid for. they denied it 3 times and i appealed each one with no luck. they barley asked for proof. the second time I appealed it they only asked for a tracking number which still clearly shows that a label was created and no further tracking or delivery ever happened. i have the conversations between me and XXXX. along with her agreeing to send me a refund and that the bags didnt get sent out. but i was never able to give that proof to my bank. i feel like they are not doing anything to help me and keep denying my case. they keep saying its a valid transaction which i believe is false. its not valid because i never received my items. below are the 2 separate disputes ( since it was 2 diff transactions - {$200.00} and {$250.00} ) also the tracking number, receipt from XXXX and the conversation
Company Response:
State: NJ
Zip: 07054
Submitted Via: Web
Date Sent: 2021-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
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: Inaccuracy of report with many violations open XX/XX/2019 for {$17000.00} I asked of the violations to be removed as many are occurred. I have uploaded all documents needed to show of proof of violations.
Company Response:
State: TX
Zip: 75240
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I'm a retiree living in XXXX with a bank account in XXXX, Texas. The only means I have of drawing money is through local ATM machines. My debit card expired at the end of XXXX, XXXX I had not received my new card by mid XXXX and phoned the customer service number for international ( XXXX ) clients. They told me my card was on the way. Great. The exploration date expired and still no card. I phoned again. This time I was told the card was sent out in mid-XXXX. I told them that the card was not received. They said they would send me another one, and report the first card as lost. So, on XX/XX/XXXX, mind you, 13 days without any access to my money, a card arrived. I tried to activate it, but the automated service told me the numbers on the card were invalid. I phoned customer service and they told me the card was the first card they sent ( although they said previously that card had been sent mid XXXX, *two months* earlier ) and that they could not activate it since it was declared lost. So, they told me they would send me another card and to expect it within 7 to 10 working days. Remember, that would mean over 20 days that I have not yet been able to access my money to live on. I phoned again on XX/XX/XXXX and this time talked to a specialist. He said he understood my plight and would expedite my card, and I should receive it with 3 to 5 days. 3 days later a card came, but it was the " lost '' second card, and I was told I could not activate it. So, where was the 3rd card, the one I was supposed to get in 3 to 5 days? I haven't received it yet. I phoned again and was told the card was XXXX and was to be received by XX/XX/XXXX. ( What happened to the 3 or 4 days I was told I would get it? ). It looks like I have been consistently lied to, told the card was on its way, when it wasn't, that it was sent in XXXX when it wasn't, that I would receive it in 3 to 5 days, and then 2 weeks later I have yet to receive it. Somewhere along the way they claimed their card vender was behind schedule, but I don't know if I believe that now. And I doubt I will get the new card by XXXX XXXX, like they say. So -- to rehash, my card expired at the end of XXXX. XXXX is in 2 more days and I still haven't received a valid card. I am an old guy depending solely on my debit card to finance my life. I HAVE NO OTHER ACCESS TO MY MONEY. My wife and I are living on modest funds she set aside for her XXXX year old mother 's funeral, when the time comes. I should point out that the bank, Compass Bank BBVA is transitioning to PNC bank in Texas. I should also point out that their customer service is terrible. Not only have they lied to me, they are at times hard to understand, at least twice they accidently disconnected my phone conversation. And, did I mention, they lie. As I told them on more than one occasion, " THIS IS OUTRAGEOUS. '' Someone's life is at stake.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: PNC Bank, N.A. is refusing to send funds upon death of account holder. Account has a stated beneficiary listed and bank is stonewalling and requesting a new account be opened in THEIR bank in the name of the new beneficiary. All requested documentation has been furnished including confidential information which, in retrospect, may not have been required. The correspondence reference numbers are : XXXX ; XXXX. Correspondence and recorded telephone calls have been made. Demand in last phone call for funds payable to beneficiary. Bank is stonewalling and requiring an account be opened with possible fees. Calls to phone number XXXX can never be forwarded to appropriate personnel further stonewalling and frustrating collection efforts.
Company Response:
State: FL
Zip: 33176
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: A deposited {$55.00} check to PNC checking from XXXX XXXX was erroneously returned. I resolved the issue with XXXX and explained to PNC the error by XXXX. By returning the deposit of {$55.00}, transactions were returned, assessed {$36.00} return as well as return deposit fee of {$12.00}. Now, on XX/XX/XXXX, a deposit to PNC checking for {$150.00} was placed on hold and still on hold today XX/XX/XXXX. This profiling my account by holding the deposit amount has caused returned items and additional {$36.00} fee. My account is still held in an overdraft status due to the hold. PNC has held deposits, without cause, prior to this because of coding or profiling and I had to file a complaint and go through hours of proving that particular check, from a Money Order refund, was valid. Millions of checks are deposited by customers but my deposit was coded. On XX/XX/XXXX, I received a letter from PNC stating a 5 day hold was placed on the {$150.00} deposit. The reason was information from paying bank indicates check may not be paid. This is false as there were more than sufficient funds in my XXXX XXXX account. There could not be such an indication and PNC is wrong on this and sending me false information. The check for {$150.00} cleared my acct at XXXX XXXX on XX/XX/XXXX. I expect the fees 2 x {$36.00} and {$12.00} return deposit fee be refunded. I am opted into the Overdraft Protection, however, PNC chooses not to pay the transactions. I expect a refund of at least {$82.00}, the hold removed immediately and my account brought to a positive balance. I also expect to have special treatment and profiling my account removed.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hello, I received a deposit from XXXX for the paycheck protection program which I legally qualified for and as soon as my deposit hit my account they immediately put a security hold on my account without notice or notifying me, blocked access to my debit card and didn't respond when getting into contact with them to let me know what i need to provide to lift this hold on my account, they have been having a hold on my account since XX/XX/2021 and it has put a financial burden on me and my business causing a temporary shut down, me losing employees, also me losing a vehicle and ruining my reputation it was bad enough covid put a strain financially on my business now this, and it has been going on for 6 months I tried to settle this peacefully but this is illegal and out of hand. The amount of the deposit was {$48000.00} and the deposit date was XX/XX/2021
Company Response:
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2021-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-28
Issue: Fraud or scam
Subissue:
Consumer Complaint: I alerted my bank that I may have been a victim of a phishing scam and needed to stop a XXXX payment in attempt to stop the transaction from going through. I contacted PNC bank within 12 hours of the transaction and was told a dispute would be opened in order for them to do an investigation into the matter. I sent funds through XXXX, a secondary service found in my PNC app. I was denied my dispute despite the fact that I informed them of the scam and I was told there was nothing to be done due to my authorization of the charge. I was under the wrong impression and was unable to get my money back despite PNC knowing that it was a scam.
Company Response:
State: MI
Zip: 48205
Submitted Via: Web
Date Sent: 2021-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A