Date Received: 2021-02-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Dear Officer, My name is XXXX XXXX. I want to dispute an unreasonable late payment delinquency record related to my PNC credit card. My credit score drop over 100 due to a late payment of {$81.00} in my PNC credit card on XX/XX/XXXX. But the fact is that I didn't receive the card neither activate it after I applied it. No one contacted me about I need to pay for it during XX/XX/XXXX to XX/XX/XXXX, and their customer service didn't help me to resend the card when I called them. When they finally sent me a email, the content is " you credit card payment is already past due for 34 days '', and PNC Bank reported this late payment as delinquency without any notice in anticipation and failed to help me when I contacted them to get my card and access to my account. I never used this card, the late payment is because they transfer my credit card usage on my XXXX credit card to this PNC credit card. But I didn't get any notice about this action neither through call nor email. During XX/XX/XXXX to XX/XX/XXXX, I called and emailed PNC customer service so many times asking them to resend me the card, they couldn't help because I don't know the card number or account number. They told me they couldn't find anything under my name. I also emailed the agent, XXXX XXXX, who assisted me with my PNC credit card application in PNC branch XXXX, NC. She said she had not worked there and couldn't help with that. Now I've not lived in XXXX, NC and moved to XXXX XXXX, CA from XX/XX/XXXX. When I saw the past due email this morning, I called them right away and pay on phone {$1000.00} dollars for it. It's unreasonable that my credit score get a such huge negative impact for an unknown payment. I'm looking forward to getting rid of this late payment from my credit record successfully. Hope anyone of your association can help me. Thank you so much!
Company Response:
State: CA
Zip: 94118
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-25
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: PNC Bank is and XXXX XXXX lender. It discriminates against small, minority, older and other disadvantaged ( SMOD ) borrowers by applying a specific business account requirement to apply for a XXXX loan which many SMOD borrowers do not use based on higher fees, monthly service charges, etc designed to screen out otherwise eligible SMOD borrowers from participation in favor of larger more profitable other customers or extract extra business account fees the SMOD borrower would otherwise not have at a time of distress. Surely many SMOD operators use less expensive accounts rather than a high fee business fee account. This requirement is likely not part of the CARES Act or XXXX, but is an extra discriminatory hurdle PNC adds. And in any event a bank knows particularly SMOD operators select lower cost vendor whenever possible. The pandemic enhances this pressure and need. This requirement continues and fees seem to be excessive and unnecessary to the disadvantage of SMOD borrowers.
Company Response:
State: IL
Zip: 60611
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I'm having an ongoing issue with PNC bank. The branch I'm having issues with currently is XXXX XXXX XXXX XXXX PA XXXX. There was a fraudulent check tryin to be withdrawn from my account. They did not file a report about this issue. They did not give me the options or measures to take because of this issue. My account is compromised and I want to know the next steps. They are not giving me the ID of the person who tried to cash the check either. The bank manager 's name is XXXX XXXX XXXX. I recieved an email from him on XX/XX/XXXX and left a voicemail for him. He called me XX/XX/XXXX but he told me to call the main number. I called the main number and there was no complaint in place. I tried to stop by the branch but he was not working. I left him another message and emailed him on XX/XX/XXXX with no reponse. Another amail was sent febuary XXXX and still no response. I need this issue to be resolved right away and a police report filed.
Company Response:
State: PA
Zip: 19115
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: the bank is stealing funds and illegally charging my account. They claimed i withdrew XXXX dollars when you can only withdraw XXXX dollars a day. Then they charge me a fee to get my receipt from the atm at the bank. They told me my account was overdrawn which is why I put XXXX dollars in the bank.. In the past they gave collection companies access to my account without a court order.
Company Response:
State: NJ
Zip: 08638
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Pnc bank mortgage account XXXX closing was on XXXX. Amount is {$110000.00}. On XXXX {$950.00} was entered into my pnc bank account - checking without explanation but close to amount that was to be distributed to me. The complaint is that no accounting was sent to me and most importantly the funds have not been paid by pnc to previous mortgagee and no funds have been paid on 3 credit card accounts as was scheduled. Interest charges keep accruing. Pnc loan processing has failed to distribute funds. Also, there seems to be no loan processing communication with pnc mortgage dept.
Company Response:
State: FL
Zip: 34293
Submitted Via: Web
Date Sent: 2021-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX XXXX XXXX made an unauthorized ACH debit to my PNC Bank checking account ending in # XXXX in the amount of {$380.00} back on XX/XX/2020. The following day, XX/XX/2020 I informed my bank relationship manager at PNC Bank, Mr. XXXX XXXX of the unauthorized debit. I also called XXXX XXXX but could not get through to a human being until XX/XX/2020, at which time I spoke with someone in billing who could not figure out why my bank account was charged the {$380.00} ( it is completely unrelated to us ). She said they would be crediting my account but it might take a week or two. I let it go, assuming the credit would come back into my checking account. Turns out it never did, and then on XX/XX/2020 they did the same thing again and took another {$190.00} out of the same account, also completely unauthorized by me. ( We do not have any business directly with XXXX XXXX by the way ; nothing at all. ) I brought it up again with Mr. XXXX, and at that point I again asked PNC to formally dispute the new charge as well as the old one. He recommended I try calling XXXX XXXX again. After numerous attempts, in early XXXX I finally got through to a person at XXXX XXXX ( took hours of time on hold and going through automated menus ), but I finally got through to XXXX ( Employee ID # XXXX ) case ID # XXXX. XXXX confirmed she identified both of the unauthorized ACH debits they took from my PNC checking account, and agreed those were not charges that should have been taken out, as they applied to some other company that apparently gave them my bank account number. She said since she identified the client that should have been billed and saw they used an improper bank account number, XXXX XXXX would fix this and would definitely credit back my PNC checking account XXXX. She said it might take 3-5 business days but that it would definitely be done. I waited another week, did not see any credit, but instead received a letter from PNC Bank saying they would not be crediting my account because after " investigating '' they found " no error occurred ''. I immediately tried calling Mr. XXXX, who did not answer, so I emailed him. He responded that I can just ignore that letter as he looked into it, and XXXX XXXX was supposed to be crediting my account, so everything will be fine. So I waited another couple of weeks, still no credit. So I wrote Mr. XXXX at PNC again, but no answer. So I wrote him again a few days later, but still no answer. This morning I called XXXX XXXX and after almost an hour got through to a human, someone named XXXX who escalated me after a 20 minute hold to someone named XXXX, a manager in Resolutions ( Employee ID # XXXX ). XXXX looked up the issue, found the unauthorized ACH debits from my PNC account, admitted that those were taken out of my bank account for someone else 's utility account, but despite that, she told me they will not be refunding my money. She said they never refund money, ever. It must be done through a bank dispute, according to XXXX. I pleaded with her because we did file a dispute with PNC Bank but she said all I could do would be to complain to PNC Bank. She said again XXXX XXXX will not be giving me my money back. ( This was the first time anyone form XXXX XXXX said any such thing ). I called PNC once again, got through to someone in Customer Service named " XXXX '', who looked it up and said that PNC Bank will not do anything to get my money back " because by now it has been more than 60 days since the unauthorized debit ''. Obviously this is grossly unfair. Nobody at PNC Bank until today, more than 4 months after the unauthorized ACH debit, ever told me anything about a 60 day rule. If they had, I would have been persisting in disputing and following up on the dispute in XXXX and XXXX. To the contrary, PNC originally ( and many times thereafter ) told me not to worry, it would be fine. Only now are they saying they will not address it because it has been more than 60 days.
Company Response:
State: NJ
Zip: 07869
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-19
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened a PNC bank checking account on XXXX XX/XX/2021. It has a promotion that get get 2 direct deposits of {$1000.00} and then they will give me {$200.00} cash back bonus. I have already got 4 direct deposits in this account totaling more than {$2800.00} but no {$200.00} cash back bonus. When i asked them this question via secured message center, they are asking about the offer.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: We have disputed 3 transactions with Pnc Bank for services that were not rendered on our wedding day. They continue to state the services were valid after providing documentation from us and the vendor that they did not show up to the wedding. Services were not rendered. Vendor did not show up to perform services on our wedding day. It's been over 100 days since XXXX XXXX did not uphold his end of our contract. It's been over 100 days since he emailed us claiming that he would " refund the total to resolve this issue. '' Wedding day was XX/XX/2020. XXXX XXXX was to arrive at the venue at noon. The bride contacted XXXX XXXX at XXXX requesting a refund for his services since he had not arrives at the designated time. XXXX XXXX arrive a the venue at XXXX and confirmed that the Bride would receive an refund. On XX/XX/XXXX XXXX XXXX sent an email apologizing a requesting information about processing the refund ( XXXX or disputing charges ). the Bride responded with her XXXX name and began awaiting the refund. After 2 weeks, the bride decided to dispute charges with PNC since payment had not be received. The details of why you weren't where you committed to being are not my concern. My wedding date was NEVER moved to XX/XX/XXXX. Ever. I saw you TEN days before my wedding on Thursday, XX/XX/2020, for my trial because it's when it worked best around your birthday. At the end of my makeup trial, you told me that you would arrive at XXXXXXXX XXXX at my wedding venue and that you had all of the information you needed. We disputed the charges after he did not respond to my email requesting the refund via XXXX. The bank can not refund the {$910.00} as the payments were processed using XXXX. That is considered a person-to-person transaction. We are ready to move past this issue. XXXX XXXX XXXX carelessness in this matter has already taken more than enough of my precious energy. My wife and I would prefer not to have to take this matter any further.
Company Response:
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/2021 PNC Bank closed my virtual wallet account # s ending XXXX, XXXX and XXXX. Please note that I have been banking with PNC for over 30 years and before that when this bank was XXXX XXXX. During my 30+ years as a customer. PNC has practice changing my accounts from one account number to another account number without my request and/or knowledge, closing my accounts and transferring to another and/or closing my accounts without my knowledge and/or request. Then they send me a notice after the fact. This is the last straw for me. When I contacted PNC I was informed this time my account was overdrawn {$6.00} for over 30 days which is untrue and that is why they closed my accounts. Only account # XXXX was overdrawn {$6.00} but they closed all 3 accounts # XXXX, XXXX & XXXX. I was informed by branch Representative that account # XXXX was only overdrawn less than 30 days. I explained to them that this bank ( XXXX ) needs to remain open because I use it for my direct deposit from IRS every year which I have already filed and use it to pay my bill as automatic pay. I spoke 2 Bank managers named XXXX XXXX and XXXX and was told that my accounts were closed will not be reopened. As I was speaking to them all of my bank information of my closed accounts was removed from my excess. As a customer for many years l should have received better treatment.
Company Response:
State: NJ
Zip: 07003
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A