Date Received: 2021-07-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: PNC Bank is reporting account number XXXX as 30 days past due in XX/XX/2021 when that is not accurate. I have never been late on this account. They did close the account but I have never missed a payment. According to the Fair Credit Reporting Act and FACTA, they must report accurate information and with the CARES Act, I am protected from any negative reporting.
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Lost or stolen money order
Subissue:
Consumer Complaint: This complaint is in regard to my 6 month series of errors with PNC Bank. I made a deposit into my checking account in XX/XX/XXXX that included three checks and one money order. My accounts are linked so I generally deposit everything electronically. This time I deposited these items using my ATM card. The amount of the checks and the money order were subsequently deducted from my account. The checks were returned to me to be redeposited into my business account because they were written to my business name. I took the returned checks ( certified copies ) to the bank and deposited them into the appropriate account. The money order however was never returned. I notified the bank that the money order was not received and was told that they would resubmit the request through their ATM department. It has been nearly 180 days and I have not received the money order or certified copy. The amount has never been credited back into my account. The bank has acknowledged receipt of the money order and has not been forthright in returning it to me for redeposit into my business account. The matter of returning the money order or a copy has taken me on a frustrating journey into misinformation and mis-alignment within the banks systems, ineffective processes, mis-communication and a failure of oversight. I have contacted the bank and have been told over and over that they would return the certified copy, they have not. Now I have been told that I have to contact the company who issued the money order. Since I no longer have the money order ( it was deposited with the bank ) it is an insult to suggest that I contact a company that I have no relationship with over a document that is being held by the bank that I have had a relationship with for nearly 30 years. The bank is the last holder of the money order. I received the money order as payment for a service. The bank received the money order, processed it and subsequently deducted the amount from my account. The representatives of the bank have been inconsistent in both their promises to rectify the situation as well as their processes for contacting me. Unfortunately I trusted that they would eventually do the right thing by simply sending me a copy of the money order so I did not keep track of the many conversations. I guess I had become so accustomed to their lack of organization that I expected it to be resolved albeit- eventually. I have listed some of the dates that I contacted the bank beginning with the end. XXXX I called the XXXX XXXXXXXX XXXX- Was given this final determination. Contact the issuer of the money order. XXXXXXXX XXXX XXXX XXXX- Advised that she would contact me by XX/XX/XXXX she did not. XXXX XXXX XXXX XXXX Two agents who took the information and promised to contact the branch and work with them to resolve. XXXX XXXX # 2 ( older woman ) Notified me that the case had been closed. She re-opened the complaint, someone had closed it without resolution nor notifying me. XX/XX/XXXX XXXX # 1 Promised to contact the branch and the ATM department XXXX - was given a number that did not work on a letter dated XX/XX/XXXX Visited the branch in XXXX, XXXX, XXXX Spoke with lady who attempted to fix it with the ATM department. She was given the wrong information and wound up wasting an hour of my day while she chased departments on the phone. Was told that they would contact the ATM department Manager ( Young Man ) I will take care of it and get the copy to you tomorrow. I communicated with the bank several times in good faith and did not keep track of dates or times. Was told that they would handle it and get back to me. Several things happened that were irregular. They repeatedly used the wrong telephone number, in spite of me giving them my contact number ad nauseum. This happened over and over. Incidentally, my correct number was used several times to verify my account. The bank has been negligent in its handling of this matter. The money order is for {$180.00} for services provided in XX/XX/XXXX. It is blatantly clear that the bank has the ability to print a certified copy of the money order and to own their mistake, their fumbling of this is unconscionable.
Company Response:
State: OH
Zip: 45342
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I had a credit card with BBVA Compass. I was not aware that I owed a balance on this card. I received a letter from a Debt collection company regarding a balance due. I called BBVA and they would not assist me nor tell me anything regarding this dispute, they transferred me to the debt collector, which I explained that I am not aware of owing BBVA any money, they informed me that I could not talk to BBVA and I could only talk to them. I have not received a bill, email or phone call from BBVA regarding this dispute so I'm confused as to why they will not assist me in resolving this matter and require me to handle with the debt collector. I have requested from the debt collector a statement regarding this dispute, BBVA refused to assist me.
Company Response:
State: OR
Zip: 97045
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-19
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: We received a PNC flyer about a promotion to open a new business checking account.. We went to the local branch, gave them a copy of the flyer, and opened an account on XX/XX/2021. We made the required deposit, and maintained the balance for the required 3 statement cylces to obtain the credit. The terms on the flier said this was all that had to be done to receive the {$500.00} credit, it should have hit the account around XX/XX/2021. We contacted XXXX XXXX at the Beginning of XXXX to see when we could expect the credit. XXXX contacted the department after numerous calls, she said we did not meet the terms of the offer. I emailed XXXX the flyer we brought in with us when we opened the account, showing the details of the offer. She said we did not bring in the flyer when we opened the account, and that we opened the incorrect type of account. We went into the PNC branch with the flyer in order to take advantage of the offer and incentive. We had the flyer with us, the owner and myself can attest to that, despite what XXXX recollects. She told us we signed up for a business checking account that required a {$5000.00} deposit and 20 debit card transaction to get a {$200.00} incentive. Our intent and recollection is we were opening a the account that required a {$30000.00} deposit which had to be maintained for 3 statement cycles, which we did, to receive a {$500.00} credit. We had the flyer with us, and deposited {$30000.00} the day we opened the account. If we were looking to open the other type of account we would have deposited the required {$5000.00} instead of {$30000.00}. When I asked about the difference between the Business checking account that we have, and the XXXX XXXX checking we thought we had, XXXX told us that the XXXX account was not being offered any longer, it was an older type of account. I emailed her over the flyer that referenced the XXXX XXXX checking account, and the flyer said these acoounts had to be opened by XX/XX/2021, so they could not have been that old of an account. Today I went to the PNC website and saw the same offer is being offered to open a new XXXX business account, maintain the {$30000.00} balance, and receive a {$500.00} credit, so the account is still being offered. I spoke again with XXXX, who now says the account is not no longer offered, but usually not offered at the branch level, that they are told to open other types of business checking accounts? She states we opened a business checking account, and did not satisfy the 20 debit card transactions in order to receive the {$200.00} credit. Our account is we opened the account for the main purpose to take advantage of the flyer that we had received, and deposited the required {$30000.00} in order to receive the {$500.00} credit after XXXX statements. We would not have deposited {$30000.00}, if only {$5000.00} was required for the other offer. She said there was nothing that could be done as the terms of the account we apparently opened were not met. I believe the wrong type of account was opened for us in XXXX, and now we are being told we did not meet the terms of the offer, instead of admitting the wrong type of account was opened. Two of us met with XXXX, know we had the flyer, and deposited the amount to receive the {$500.00} credit. I would appreciate any help you can offer in getting us the {$500.00} credit we should have been issued in XXXX. Copies of the original flyer, and the current PNC promotion are attached. Thank you
Company Response:
State: NJ
Zip: 086XX
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: On XX/XX/21 we initiated a home loan refinance with our current mortgage company, PNC. We chose PNC thinking that the process would be simpler and our loan officer estimated a 2-3 month timeframe to close. We did not close until XX/XX/21. Our refinance was for $ XXXX and we had $ XXXX in our bank accounts. My husband and I have been employed in our respective positions for over 10 years each with excellent credit ratings and income over $ XXXX per year. We provided PNC with copies of our bank statements and paystubs at least 5 times over the course of this process. We found the staff at PNC to be unprofessional and unresponsive. We are unsure whether the delay in our loan was due to PNC 's incompetence or due to PNC 's financial incentive to continue our mortgage at the higher rate. Our loan is finally now secured but we feel it is important to register this complaint for the good of other prospective mortgagees.
Company Response:
State: VA
Zip: 240XX
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Between XX/XX/21 and XX/XX/21 there were a number of fraudulent charges made on the credit card I had at that time, totaling {$5100.00}. I called and reported this to the credit card company, BBVA Visa. They cancelled the card and issued me a new card, sending it to me via US Mail. Before I received the new card in the mail, I noticed on my account for the new card ( via online banking ) that all the fraudulent charges had been transferred to the new card, but the amounts had changed somewhat. On the new card, which I have never activated, the fraudulent charges total {$2800.00}. Again, I called and disputed the charges and advised them that the amounts of the charges had changed from the original card. On XX/XX/21 I received a letter from BBVA Card Fraud Operations Group that the investigation was closed and the " corresponding credit applied to my credit card account in the amount of {$590.00} is considered final ''. They are charging me interest on the fraudulent charges. I will continue to fight this with BBVA, but have been advised I needed to report the issue to FTC, which redirected me to CFBP. Any help you can provide will be greatly appreciated.
Company Response:
State: AL
Zip: 36605
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am in a forbearance period and with my VA loan I am to be allowed 18 months of forebearance as per CFCB PNC bank wants to end this the end of XXXX I need to have my full 18 months ( end XX/XX/XXXX ) to finish the work we are performing on our home to be able to sell it. They are refusing to grant me my last month of XXXX forbearance. I was never late on a payment until COVID hit snd I lost my job. We just need these additional 4 weeks in XXXX. Please grant me my full 18 months as VA states I qualify for.Our home has plenty of equity. We are in our late XXXX and need the extra monies that will come from the sale of our home for retirement.
Company Response:
State: MO
Zip: 63304
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I opened a credit card several months ago with PNC and discovered one day when i was looking at my accounts that it was closed. I called PNC and they said it was closed because of inactivity. I had not used it at all. They recommended that i open another account but make sure i use it every now and then even to make a trivial purchase like gas so it will stay active. We opened another account and i used it once and paid it in full. On XX/XX/XXXX i receive a letter that my credit limit has been decreased from XXXX to XXXX with a summary of my XXXX credit score. My credit score is XXXX. So i call PNC customer service for the reason why it was decreased so drastically to the limit ( XXXX ) which people with very bad credit get. They told me they didn't have the answer and i would have to call XXXX. I called XXXX and the agent there and I looked at my credit report in detail. My credit score was XXXX and every description was termed " exceptional ''. The agent at XXXX said he didn't know why the PNC agent said to call XXXX. It was PNC who would have the reason it was decreased. He said call PNC back and ask to speak to a supervisor. I called customer service a few times and nobody called back. Finally i get a supervisor who tells me its being investigated and he opened a complaint and someone will call me back and to stop calling because i am hitting a wall. " Stop calling here your hitting a wall ''. How's that for customer service and how to treat a customer and that's from a supervisor. A day later another supervisor calls me back. She also does not know the reason why the credit limit was decreased and apologizes for the person who told me " stop calling here.your hitting a wall ''. Now keep in mind as you can see from the activity i really didn't need this card. She presents threeoptions. 1. ) Close the account which would affect my credit score. 2. ) Appeal the credit limit decrease which would cause a hard inquiry which would also affect my credit score. 3. ) Open up a new account with one of the institutions that have pre approved me. I don't want to close the account and have it affect my credit score. This isn't my fault why should i be punished. I don't want to appeal the decrease because it will create a hard inquiry that will affect my credit score. And i don't want to open up another account. If PNC was going to do this why did they give me the card in the first place? They just created a problem for me. I barely use ( used once ) and didn't even need their card. Its nice to have available but not if its going to cause a problem. And i don't want nasty sarcastic comments when i contact PNC as a customer. This happens every single time i contact PNC over a long period of time. I just had to open another complaint in the mortgage area. Complaint XXXX-XXXX. Every time from now on i am not treated as a customer by PNC and do not get correct information and do not get return calls i will open a complaint with the CFPB. And i forgot to mention get nasty sarcastic comments. This has been going on with PNC for too long and they were not held accountable in the past. Hopefully with the new CFPB we will have a change and consumers will be treated fairly and as customers.
Company Response:
State: NJ
Zip: 07753
Submitted Via: Web
Date Sent: 2021-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have my mortgage with PNCBANK. They have just switched over to a new system where you get mortgage statements every month in the mail. I received my first statement with a statement date of XX/XX/XXXX. I noticed it had a past due amount of XXXX. This is incorrect. I have paid my mortgage in full on time for several years. Nothing is past due. I called PNCBANK Mortgage customer service and explained my issue to them and they investigated and said they could find no past due amount. They said they have had issues with the statements being incorrect and would send me a corrected statement. I received a second statement with a date of XX/XX/XXXX with the same XXXX past due. I called PNC Customer service again and after investigating they again said they do not see any past due amounts and they were going to open a complaint and someone would get back to me in 24-48 hours. Nobody ever called. I called them again in reference to another complaint with another account and while i was on the phone with them i checked on this complaint. They text messaged the guy they said its assigned to and he said he would get back to me in the afternoon on XX/XX/XXXX. Nobody called. I told them if nobody calls me on XX/XX/XXXX i am filing a complaint with the CFPB. Nobody called. Every time i have a issue that needs to be addressed with PNC i have the exact same issues. No calls back. Denials. Nasty responses which i will be detailing in another CFPB complaint. I had a escrow issue a few months back that had to do with a NJ Tax rebate which i spent hours on the phone about while i got denial after denial and finally they admitted i was right and adjusted my escrow and my payment in my favor. My account history definitely needs to be looked into. When is somebody going to hold these banks accountable. I thought that with the new administration this was not going to be allowed to go on anymore and they were going to be held accountable. The escrow situation i described above goes on every year. I live in NJ. Residents get a Tax rebate that has to be applied. They don't do it and when you call them they deny that there needs to be a change. They get verbally nasty. I am a customer and should not be treated in that manner. There is absolutely no accountability ... None. I thought things would have changed since XXXX. Nothing has changed. They are operating the same way as they were in XXXX. On another matter they were told that because of the COVID situation they were supposed to reach out and help people out. They are helping no one out. Same as in XXXX. I asked them how are you helping homeowners out? They had no answer. They are so irresponsible that they have to have a CFPB rep sit in on their meetings to make sure they are doing the right thing.
Company Response:
State: NJ
Zip: 07753
Submitted Via: Web
Date Sent: 2021-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Several unauthorized transactions starting the beginning of XXXX, transactions were done from XXXX XXXX XXXX, XXXX. When noticed it going on i disputed them and continued to monitor to make sure pnc was not continuing to allow more transactions to go through. My account and and savings were drained to the negative.
Company Response:
State: KY
Zip: 40004
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A