Date Received: 2023-10-22
Issue: Other transaction problem
Subissue:
Consumer Complaint: In order to pay my rent to the XXXX XXXX XXXX XXXX XXXX, I have to pay it to PNC Bank. They " misplaced '' my rent one time and I almost got evicted until they " found '' it. So it's happened again and now I'm faced with a 3 day eviction even though I dropped off my rent into the safe deposit box and the cameras could probably verify this. I paid my rent, it was late but it was paid and this is becoming an all too familiar practice with this bank.I am a single mother of a XXXX XXXX XXXX and have no where else to go if evicted and is unjust since I did make my rent payment. This has got to stop.
Company Response:
State: NM
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: Between XXXXXX/XX/XXXX, I fell victim to two multi-layered scam operations run by XXXX ( the Company ) which involved me making deposits for a total amount of XXXX USD from my PNC Bank account to fraudulent investment firm ( s ).
Company Response:
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Their refusal to issue me a credit card.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: PNC Bank is not reporting my loan information accurately or fairly monthly to the credit bureaus. I took out a small personal loan of {$2500.00} on XX/XX/23 and my payment due date began the following month on the XXXX of every month. I made a payment early at the end of XXXX the same month I took out the loan and PNC Bank reported my balance not after my due date of the XXXX at the end of the month - reporting the balance to the bureaus well before my XXXX due date, reporting to the bureaus on the XXXX, XXXX, and XXXX of the month after all the interest has re-accrued for the month and before my payment due date on the XXXX. What it does is make my balance appear more than it is and it does not include my payment. Latest example, on the early morning of XX/XX/23, I paid XXXX Bank {$230.00}. My required monthly payment is {$100.00} on the XXXX. They reported to XXXX on XX/XX/23 that my balance was {$2000.00} when I had made a payment early on XX/XX/23 of {$230.00} bringing the balance to {$1800.00}. That harms my XXXX XXXX and is unfair and inaccurate in reporting. I filed a complaint and asked PNC to report to the bureaus shortly after my due date ( normally a few days afterward ) before the nearly XXXX weeks of interest reaccrues by the time they report on the XXXX, XXXX or XXXX. Dates matter, just as my payment due date matters in accurate reporting. PNC only gathered information to say they will not alter the reporting dates. This adds insult to injury because my XXXX XXXX was XXXX with a Very Good rating, yet the unjust interest rate they charged me was 30 %. Now they are reporting prematurely and unfairly. I am requesting help in resolving this matter.
Company Response:
State: FL
Zip: 32926
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2023. I went to PNC BANK, XXXX XXXX, XXXX, OHIO to open a business account. I was accompanied by XXXX women during this transaction. Which was odd. Prior to the scheduled appointment, I was informed XXXX would be the business banker I open with, however upon arrival another woman by the name of " XXXX '' sat in without permission. When I asked the reason for XXXX people to open XXXX account, I was told " XXXX '' was training. *Later throughout the process I found out this was not true and " XXXX '' was recording conversation on her personal phone. I found out " XXXX '' wanted to know what happened with my previous business account ( same account ). I informed XXXX, My account was wrongfully closed due to error ( s ) made by an PNC BANK employee at the Branch on XXXX XXXX XXXX XXXX, Ohio ). The PNC employee refused to take accountability for her error ( s ) resulting in my account closing. The PNC employee informed me she accidentally put my XXXX incorrectly. XXXX informed me this XXXX result in this account opening today ( XX/XX/2023 ) to be closed due to prior issues, but she will " keep her eye on my account to avoid it closing '' and let me know asap. Giving me her business card. Later during the business transaction I was convinced to apply for a business credit card because of the funding available for small businesses for minorities. I did. I left PNC Bank XX/XX/2023 with an open account and atm card. I called in to PNC BANK to check the status of my business credit card and found out my application was denied. I requested to speak with the underwriting/lending team and was given the runaround. I was sent a survey to complete my experience via email. I submitted the survey XX/XX/2023 XXXX XXXX, XXXX reached out to me via email XX/XX/2023 to discuss the complaint about discrimination I submitted within the survey on XX/XX/2023. I was not available that day due to my work load. I was already mentally and emotionally stressed out and discouraged with the unethical, deceptive, unfair practices at PNC BANK. XXXX, reached out again via email XX/XX/2023. I called him at the contact number he requested, no response. I responded via email ( please see all email correspondence attached ). This communication was unsuccessful. A PNC XXXX member by the name of XXXX, XXXX reached out to me via email and this was unsuccessful as well. I tried reaching out to their offices and their office assistant tried locating them during the time they were in office with no one or on the phone. I was unsuccessful. I only called them because they sent me emails to call them. *Please note, the PNC XXXX team noted on my business banking account XXXX XXXX XXXX XXXX XXXX be closed on XXXX. I was informed this note was created XX/XX/2023. As, of today XX/XX/2023. MY ATM CARD IS CLOSED. CLOSED XX/XX/2023. XXXX had a business meeting with a possible future employee and my Purchase was declined. Embarrassing. I went to PNC ATM, the Branch I opened my account to pull money out to return to the meeting and was given an error and instructed to visit my branch location for further details. Since I was already at that location I went through the drive through, informed XXXX, I needed my account status. XXXX agreed. XXXX requested my ID, I sent the requested ID. XXXX, sent in return a receipt with a + {$36.00} and my ID back through the tube, informed me to come in to speak with a banker and walked away. XXXX XXXX my account. XXXX is a XXXX XXXX. XXXX, did not come back to the window. Instead, XXXX spoke to her Co-worker, her Co-worker answered the questions XXXX failed to answer. I was her customer, not her employees. I deserved the same attention she gave the consumers prior to me. -I have not received a reason for this unfair discrimination. I have not received a written response why I was denied after my credit application was re-reviewed. XXXX submitted another complaint with " XXXX XXXX Consumer Complaint Department as he requested to have issues escalated on XX/XX/2023. No return call from PNC Underwriting regarding my letter submitted in response to the Adverse Reaction XXXX PNC sent me pertaining to my credit application submitted. PNC XXXX Representative " XXXX '' informed someone will be reaching out within XXXX. PNC BANK, willingly avoided and delayed sending me requested and required information regarding my business transactions business credit application. Tookadverse reactions towards me, discriminating against me for exercising my rights in good faith. This is draining and completely unethical.
Company Response:
State: OH
Zip: 45240
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: PNC Bank closed my account and wouldnt tell me why. They also didnt give any heads up, as I didnt receive any emails or letters just that my balance was {$0.00}. They closed it and failed to provide any info, closed on Monday XX/XX/XXXX, today is XX/XX/XXXX still no answers or money from my accounts. PNC said they sent a check but could take up to 90 days ; I am with {$0.00} until then. They left my credit cards open with balances that I have no way to pay due to them closing my checking account and stating to not do business with me.
Company Response:
State: OH
Zip: 45242
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Withdrew all but a few -approximately XXXX - dollars from a savings account. Called pnc to close an account, representative told me account was closed and a check with remaining balance would be sent. Check was not recieved, and since pnc has charged low balance fees on the account.
Company Response:
State: PA
Zip: 19010
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XXXX, XXXX XXXX I went to the PNC branch in XXXX , NC , to close 2 minors ' savings accounts in my children 's names. I wish to move my businesses to another bank that still uses tellers instead of a machine, and also the account has a horrible interest rate of just XXXX percent, and I can get much better rates elsewhere. A relative opened the accounts for my children and put my husband 's name on it as the adult. But since then, my husband has died. I have letters of administration in my name for the estate, and we were not divorced, nor in any way involved with any sort of custodial disputes ( as we were married and living in our house like normal people, etc., at the time of his death ) and I can provide the children 's birth certificates. The bank refuses to let me move the accounts without a court order showing I have guardianship ( of my own children, who have always lived in our house and have never been involved in any sort of custody dispute ). The court and attorney fees involved to get this unnecessary paperwork would almost be worth more than the value in the accounts. The folks I've spoken with at the courthouse do not understand why this is required. If this is a bank policy, it is poorly planned. I would like them to release the accounts without having to spend hundreds of dollars in court and lawyer fees, not to mention the time to show up for hearings. I have also filed a complaint with their corporate customer service line.
Company Response:
State: NC
Zip: 28358
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: NC
Zip: 27587
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to demand removal of late payments from my report. This is a violation of both 15 usc 1666 and 15 usc 1681a2 ( a ) ( i ). These unauthorized reports of my personal private and financial information is both illegal and inaccurate and are of no standing to my credit worthiness. I am not asking for validation or verification simply a removal of the late payments as required by law. The fair Credit reporting act aims to respect the rights of consumers and i thank you for helping me do that. A rapid rescore would be much appreciated as well thank you for your time.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A