Date Received: 2021-04-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which PNC MORTGAGE is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I never received any response from them and they did not update the credit report as disputed. PNC MORTGAGE is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: PNC refused to accept a signed Form 3508S in XXXX. Then eight weeks later wants it resubmitted using a portal and not the Approved SBA form. The Treasury Secretary said in XXXX https : //home.treasury.gov/news/press-releases/sm1187 Therefore, we encourage businesses to file for forgiveness as soon as possible. Todays guidance provides taxpayers with greater clarity and flexibility, said Secretary XXXX XXXX XXXX. These provisions ensure that all small businesses receiving PPP loans are treated fairly, and we continue to encourage borrowers to file for loan forgiveness as quickly as possible. In XXXX, PNC said it was not ready. PNC alleged my loan was overfunded but provided no calculation, instead, terminating access to all bankers and assigning a litigator to schedule a call only to delay that. Customers should have bankers answer written questions about loan allegations and provide documents not assign lawyers that raise issues a year later, as if they never read any loan application materials. Banks should be ready to accept forms the Treasury makes for applicable loans and not assign lawyers to defend the practice against small borrowers. PNC regularly obscures information doesnt get back when promised then obscures what it does. It ran out the clock on PPP, and I had to find another bank. Those bankers read and pay attention and were professional and timely. The same issues PNC delays for weeks, months and up to a year and hires lawyers other banks get done in their branches in hours or days. The loan application contains materials and documentation provided by the SBA PPP IFR, which reads You must submit documentation sufficient to establish eligibility and to demonstrate the qualifying payroll amount, which may include, as applicable, payroll records, payroll tax filings, Form 1099-MISC, Schedule C or F, income and expenses from a sole proprietorship, or bank records. Note bank records! The qualifying period was XXXX XXXX XXXX, yet PNC tried to insist on a two month Schedu le Cinstead of what it took from othersbank records. It claims overfunding but wont say how much despite there being records inside its own approved application. The Form 3508S also says it just be submitted on the instructions was done yet PNC says it doesnt have to take it, despite the treasury notice to file ASAP in XXXX on the approved XXXX form, because it isnt ready. PNC continues to disregard and misrepresent to the CFPB my self employment designation fir this work This work is considered self-employment under IRC 1402 ( c ) ( 2 ) ( E ) and these individuals are not employees with respect to this work.
Company Response:
State: IL
Zip: 60611
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Mine and my daughter 's PNC bank account back in XX/XX/XXXX had an unauthorized user deposit 2 fraudulent checks ( XXXX and XXXX - made out to my daughter ) buy setting up their own mobile account under my account number. PNC allowed the checks ( that look like clip art and had NO signatures on the back ) to clear. After quickly clearing, the person named XXXX XXXX ( Tenn. address - I live in PA my daughter in WI at the time ) proceeded to XXXX, XXXXXXXX XXXX XXXX etc this money from my account. PNC, after these transactions/pay outs already went through, realized these checks were fraudulent and returned them. At this time, it made my account in the negative and am being told now that they can not determine fraud, so I am responsible for the fraudulent depositing of these checks and all the money this XXXX XXXX paid out. Please note, PNC did not contact me re this. I only became aware of this when I got a collection letter in the mail dated XX/XX/XXXX. I was unaware of this situation until this letter ( as at this time, the account had been closed because my daughter was moving to Fla and there was no PNC branch. Upon receiving the letter I immediately went to my local branch in XXXX XXXX and spoke to a XXXX and her mgr. The told me, PNC returned the checks because they did realized they were fraudulent. But unfortunately they couldn't help me. That night, I contacted the Police, filed a police report # XXXX. I made multiple calls to many departments of PNC trying to get someone to help file a fraud dispute/claim, only to be transferred to collections each and every time. I spoke to a XXXX, XXXX ( female ), XXXX, XXXX to name a few. Finally I contacted the CEO of PNC who had his customer relations person email me - XXXX XXXX. She has told me that they had an investigator who could look into this, but dont expect to have my name cleared or be un-responsible as " they really cant investigate mobile on line fraud and that my daughter must have given out her info and caused this. That is untrue & unfounded and because she said we wont be able to prove it, we are responsible. XXXX has since informed me that my 2 claims out of 3 ( ( XXXXXXXX XXXX XXXX XXXX ) have been denied and that I will responsible and to expect the same for the 3rd claim. It has already damaged my credit and my ability to purchase a car recently. I am the victim in this situation, Ive been deemed guilty, told I have committed fraud and there is no evidence that I have done this, nor did I deposit these fraudulent checks.
Company Response:
State: PA
Zip: 19426
Submitted Via: Web
Date Sent: 2021-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-21
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: In XX/XX/2000 I had XXXX security installed due to a XXXX XXXX. Immediately every sensor faulted And the system was bypassed allowing my XXXX and his friends access in my home. Somehow they hack the system my garage was robbed my grandson seen them in the home. I called XXXX several times explaining this to them telling them I didnt want to service it wasnt doing what it was supposed to do which was protect me my XXXX is a XXXX XXXX. Finally in XXXX they agreed to remove the equipment that I had been making installment payments on and refund what I had paid for the equipment. Three supervisors promised me a refund. In XXXX I received a voice message saying I would not receive any money so they retrieved the equipment and kept my money. They did refund me the monitoring fees. I contacted PNC within days of that voice message trying to get them to dispute the charges to get my money back we were in the pandemic I couldnt get into the bank so I was doing it virtually but apparently none of their employees actually filed the dispute. So when I finally got through to somebody else they said it it was beyond their timeframe for disputes which was either 60 or 90 days. So PNC will do nothing either. Bottom line is Im out almost {$1800.00} I have XXXX I have been XXXX XXXX and XXXX XXXX damage has been done to my home I have suffered over gear a continual XXXX and being XXXX on top of what I live through for XXXX years. Every account I have it he has access to because he has access to my phone which is another complaint I will be filing against XXXX. He is determined to XXXX XXXX XXXX and he is getting away with itI have to leave my home of XXXX years the home I raise my children in from when they were born.
Company Response:
State: MI
Zip: 48180
Submitted Via: Web
Date Sent: 2021-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-21
Issue: Getting the loan
Subissue:
Consumer Complaint: I was offered a loan and I was told to pay some fees and I paid {$150.00} fee for the processing of the loan and they told me that the loan would be approved and that the funds will be available in my account it the more the next morning I gave them my bank routing number information and then all of a sudden they came with now I have to pay an additional XXXX closing cost for closing the loan and that then the funds will be released and they wanted {$600.00} after I had to give them the XXXX he refused to refund my XXXX they said that I would have to wait 30 to 40 business days they wouldnt give me a supervisor they wont give me anything they just pretty much said that I need to pay the XXXX I need to pay the XXXX and I said listen nobody said anything about the XXXX so I want my money immediately and they refused
Company Response:
State: MA
Zip: 01876
Submitted Via: Web
Date Sent: 2021-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-21
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/2021 I received a letter from PNC Bank in the mail indicating that 3 accounts had been opened on XX/XX/XXXX. I received a separate envelope with a virtual wallet debit card. I had not opened an account with them and have never had a relationship with them. On XX/XX/2021 I called the PNC customer support phone number XXXX and reported the accounts as opened fraudulently. The person on the phone did not seem interested at all in the issue and would not give me any information. Upon my insistence, she said someone in the complaints dept. would contact me in a few days. On XX/XX/2021 i received a voicemail from the retail support group on behalf of XXXX XXXX, with a phone number ( XXXX ) XXXX. I called the number back the same day and left a message indicating I was returning a call. On XX/XX/2021 I received a call back from XXXX XXXX. He indicated that he needed to verify my identity and would send a text ... to the phone number he had just called me on ... and would need me to give him the PIN. Hi then placed me on hold and I received the following text : PNC will not call and ask for your passcode or your online banking login info. Your code is XXXX So naturally I asked, why does this say PNC wont call me to ask for this code ... but you are calling to ask for this code? He got XXXX, indicated that he was very busy, and demanded that I give him the code or he would not be able to help me. I asked for His direct phone number. He gave me the same phone number from the voicemail on XX/XX/2021. This phone number is not registered to PNC. It is registered to someone named XXXX XXXX in XXXX, PA. I hung up and drove to a branch located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. When I arrived I asked for help to set up online banking for the fraudulent accounts. The branch manager would not give me any of my account details, but indicated that there was no history on the account of my previous reports that the accounts were fraudulent. There was no note to close the accounts, despite multiple contacts with the company customer service that should have initiated this. He suggested I file a police report, which I did. As far as I know, the accounts are still open but I am not able to access them.
Company Response:
State: NC
Zip: 28173
Submitted Via: Web
Date Sent: 2021-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Starting back in XXXX of this year unauthorized money was taking from my account withdraws and atm use. Up to and now over XXXX dollars has been taking. PNC was contacted by phone and in person many times about this problem and nothing was done about it I also contacted the police department with this problem. I was told by PNC that they find no unauthorized transactions. Which is a lie.
Company Response:
State: PA
Zip: 19145
Submitted Via: Web
Date Sent: 2021-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Someone repeatedly hacked into our pnc checking and savings accounts and drained thousands of dollars. We had alerts turned on and never received any about these Transact! We immediately contacted pnc and spent hours filing disputes all of which pnc summarily DENIED without any questions to us or requests for additional information or any communication at all and then they closed our accounts that we have had for over 10 years with them without any notice whatsoever and refuse to even give us the balances that remained in the accounts. We have offered them proof from XXXX that my husbands phone was hacked and that is how they gained access and they wouldn't even review the extra documents simply stated their investigation was final and that we were out over {$10000.00} ( plus fees and harm to credit AND We are in the middle of buying a house and this has made our loan almost impossible and much more expensive because of their refusal to treat this as fraudulent like it is. A police report was files and sent to them and they werre notified of each transaction within 24 hours of it happening.
Company Response:
State: AL
Zip: 35124
Submitted Via: Web
Date Sent: 2021-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Hello, Im XXXX XXXX. I have a PNC SmartAccess Prepaid Card Account. I have serval charges to my account dating back to XX/XX/2021. In XX/XX/2021, XX/XX/2021, XX/XX/2021 & XX/XX/2021 I have serval transactions adding up to around XXXX & XXXX ( XXXX )!! I disputed almost all of these transaction and I canceled my card because these transaction were not authorized by me. I believe someone had all my card info, it wouldnt be hard for someone to make unauthorized transactions with PNC Smart Access Account because everything needed to make a purchase is right on the card. The only info you need to make a purchase with my prepaid card that is not actually on the prepaid card is my billing Zip Code or address and if it was someone I know that stole my card info then they know my address & could make any transactions/purchases! I know I didnt make these fraudulent transactions and I dont understand why my disputes were denied, with whats going on in the world today I definitely need my money back!!! And whats the point in having FDIC insurance if I cant get money back that was technically stolen from me?!? Thanks in advance I really hope something can/will be done about my money!
Company Response:
State: IN
Zip: 47130
Submitted Via: Web
Date Sent: 2021-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have a mortgage with PNC bank starting in XXXX. I lost my job in XX/XX/XXXX because COVID so I applied to skip payments to PNC website and I was approved for 3 months. After that, the benefit was automatically renewed for 3 months extra. In XXXX I started back to do my payments, after that, I got a letter with a XXXX XXXX XXXX which didn't include a pre-paid envelope. I'm not American and I've never sent a letter before so I used the same envelope wrongly and I got it back. I reached PNC and they said to take a picture of the signed page and send it to them by email. After few days, they replied to me that I need to send pictures of all the pages, after few days they said the format is wrong so I need to send a PDF, after that they said I need to submit it by fax and finally I got an answer that it's too late. In XXXX the Loss Mitigation representative, XXXX sent me a FedEx envelope with a Conditional Trial Plan, which I attached here ( The pictures were taken previous my signature ), with another XXXX envelope to send the papers signed. I need to do these trial payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX so I included in the envelope a check with the amount. A few days later, XXXX said I got the envelope and I have the money, we are good and you don't need more papers. Days after that, I got another Payment Deferral Agreement, but I thought it was sent by mistake and the conversation with XXXX left it clear to me. On XXXX, XX/XX/XXXX, I got a check back with the amount of my first trial payment. I've tried to contact XXXX but it's impossible and they said I was removed from Loss Mitigation. After losing hours of my time, they said I'll be called back after an investigation on XX/XX/XXXX or XXXX but I don't want to wait more and having any risk of losing my house because of the mistakes of these people. I've called today to XXXX XXXX as well because they are the owner of the mortgage and PNC is only an intermediate, doing a terrible job by the way .. The only I want is to solve this situation as soon as possible. I don't want to lose my house because a misunderstanding or a very poor job from PNC.
Company Response:
State: UT
Zip: 84043
Submitted Via: Web
Date Sent: 2021-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A