Date Received: 2021-06-11
Issue: Credit monitoring or identity theft protection services
Subissue: Problem with product or service terms changing
Consumer Complaint: I asked PNC if they had covid options for help. They said yes, asked me a few questions. They said to help me yhe must lowerer my avail credit limit to z {$6600.00} from $ XXXX. & they would lower rate to 5.9 % I told them never mind I was ok. 1 week later in mail I get lowered credit limit to {$6500.00} & they say it was a random review!!! Yea right. 1st if all, do u really think during a pandemic you should do random reviews???? Keep in mind I have not had 1 later payment w/ anyone for 73 months!!!!! XXXX!!! They lie. My # 1 gripe is reviews that then hurt people during pandemic!!! People are hurting help them dont kick them when there are down.
Company Response:
State: PA
Zip: 19063
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I opened a complaint on PNC improperly using my information to run a hard pull for a secure credit card on my personal checking account. Today I had a call with XXXX from their client executive relations office. I would like to inform the protection bureau that she threatened me saying i would have to subpeona the call if I could. She then said she did not know why I had called her. Further, she was not able to articulate her stance when i mentioned that I was with the XXXX XXXX branch this morning and they said that she would handle the issue without their interference. I am completely confused at this point as I did not sign up to obtain a card from the branch - yet a hard pull was conducted without my permission and PNC branch acknowledges that but the executive office is unable to comprehend that simple error - in fact it seemed that my english and accent was an issue. I am humiliated with this situation. I have also been threatened that I would have to open a case against PNC to get redressal on this issue. I am extremely worried that my mortgage would be used against me as a single mother and small business to try and deny me loans and credit along with housing along with age discrimination and XXXX harassment that has been ongoing from 2021. Please provide relief through an executive who does not insult her company when she is working with a client.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: 1 ) Ordered item from XXXX. 2 ) Item was hacked by someone in Georgia. 3 ) Notified XXXX that I did not receive the ordered item. 4 ) XXXX reordered item. 5 ) XXXX referred me to XXXX XXXX XXXX to buy a XXXX XXXX protection for my computer. 6 ) Ordered XXXX with XXXX XXXX for {$290.00} for 2 years. 7 ) On XXXX, I was contacted by XXXX XXXX stating they would credit my checking account {$390.00} for 3 years of XXXX XXXX protection. 8 ) I cancelled the {$390.00} transaction because my contract with XXXX XXXX had not expired ( one more year to go till XXXX. ) 9 ) I filed a fraud complaint with my bank and your company.
Company Response:
State: IN
Zip: 464XX
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XXXX XXXX a check amount of {$2200.00} was mailed out and to be applied for XXXX and XX/XX/2018 payment making me paid up for 2 payments in advance.Unfortunately, it wasnt applied to my account XXXX XXXX. Resulting me to be reported late with the credit bureaus profile as being 30 days late twice on XXXX and XX/XX/2018.
Company Response:
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-07
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Since the pandemic started we have been living paycheck to paycheck. We never asked the bank for help as we were able to nearly get by till our next paycheck. However in XXXX the bank started putting {$1100.00} in our account and calling it a temporary XXXX relief credit. We never asked for it or agreed to it. But we didn't know this was happening until we got a letter from the bank stating they were ending the relief credit. I checked the account and saw this had been going on for almost 3 months. The letter explained they did this to help people with a negative balance in their account to get their full stimulus check. We didn't get the letter or know this was going on till I got paid from work and noticed i only had a couple of XXXX in my account when there should have been at least a {$1000.00}. That morning is when we got the letter and already spent our stimulus money. While this was happening but didn't know anything about this till after we had drained our account to only a couple XXXX left. After they took the {$1100.00} back out of our account, our account don't show these credits and caused our account to become seriously overdrawn. It also caused our house payment to bounce and incur a large amount of late fees. Now our account and all our bills are incurring late fees and large amounts of overdraft fees. I personally talked to XXXX members of the bank to try and get help and one did stated they did this to help and also stated others had the same thing happen to their account. All this should not of happened without anyone knowing what was going on till the last minute. I should have been given an option to opt in or out of the temporary credit or at least been notified before they took it upon themselves to try and help.
Company Response:
State: PA
Zip: 154XX
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-06
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XX/XX/2021, I attempted to open credit card with PNC Branch ( XXXX XXXX ) having a personal checking, business checking and mortgage account opened on various dates. I was unable to open the card as it was declined on an income - debt ratio and credit score. In XX/XX/2021, I was approved for two other loans from XXXX a DC lender and a XXXX XXXX XXXX draw loan on the business account XXXX with this checking account. Note : I was also informed that I had a low score which has not had an impact during the same time period XXXX - XX/XX/2021 : obtaining international/DC based clients, business rental lease, DC and a job with XXXX, XXXX. Based on the business checking account, I'd like to receive a competitive rate credit card for the business account without the harassment of a hard pull lowering the score when I am able to obtain the necessary assets and income which have satisfied federal requirements for loans.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2021-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-06
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: My PNC XXXX XXXX card was closed without my consent. They stated my account was under review. I can not access any of my funds for bills and upcoming rent payments. I can not review my transaction history or Balance. They stated there is no time frame on when the review will be complete. It is really an inconvenience for me. They stated an ach payment had the wrong titling information but all my deposits Ive received were correct. I had an ach payment for a loan that I received back in XXXX and they are just now reporting this issue this month. It was strange how I called in because a transaction was declined and I called to see why and the lady had me on hold for over 10 minutes. She finally got on the line and stated I reached my daily spending limit and not 30 min later my account was closed and under review smh. I have all of the information I need to show that all the money In my account belongs to me. Loan documents etc. Each representative doesn't know why there is no time frame on this review and I was told I had to go into the bank so they can call an internal review line and when I did go into the bank the rep called and the lady stated all the money in my account was under review and I could not access it under the review was complete. I need this process to be completed as soon as possible. It is really XXXX to just flag my account for no reason.
Company Response:
State: IN
Zip: 46112
Submitted Via: Web
Date Sent: 2021-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hi, I recently took an Auto loan from a bank. For few months everything was fine and my credit score was excellent. This month it went down by 115 points, I spoke to credit company and they said my account is reported as credit not a loan. This increased my credit usage for no reason. Since its the bank problem I called their credit department to rectify their error but it was very unprofessional. They asked me to go through very lengthy process to fix their mistake now. My credit will show bad until I write them letter and they receive take action etc.. I needed to apply a mortgage soon. This very bad handling of customer image when bank is at mistake. Why should customer suffer for the bank error.
Company Response:
State: MO
Zip: 63368
Submitted Via: Web
Date Sent: 2021-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I have been trying to work with PNC bank to try and get a mortgage processed and approved. The loan officer that has been handling my case has decided to ignore and cause massive disruptions in buying a home. Currently he refuses to respond to voicemails and emails to confirm any information to move the buying process along. XX/XX/2021 the loan process was started. XX/XX/XXXX, XXXX, XXXX and XXXX emails were sent to the loan officer with no response currently on XX/XX/2021. Currently I have sold my home and am in temporary housing waiting for the loan to go through. Since he has refused to respond in a reasonable time, the construction company is looking to sell the current home to another prospected buyer. I may lose my option to purchase a home and become completely homeless due to the loan officers incompetency to respond and communicate in a reasonable time.
Company Response:
State: IN
Zip: 46360
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: PNC Bank allowed a merchant XXXX XXXX XXXX to withdraw money from my closed debit card. A fraud alert was placed on this card due to a dispute with this merchant. The debit card was closed in XX/XX/XXXX and the merchant was able to still withdraw money using the closed debit card in XX/XX/XXXX. This transaction wasnt authorized neither was it a revolving payment and most importantly, the debit card was closed. PNC refuse to accept responsibility for their error and credit my account accordingly. Ive filed 3 disputes with PNC but of course they have denied all 3 leaving me hanging to deal with their mistake.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A