Date Received: 2021-01-21
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: I purchased 2 sets of 3-piece luggage from XXXX for a total of {$410.00} ( {$200.00} each ). One was delivered on XX/XX/2020, the other was never delivered. The XXXX tracking information for the missing item confirms that it was never delivered. I contacted XXXX on XX/XX/2020 and they refused to provide any assistance. I attempted to resolve with XXXX on XX/XX/2020 and they refused to assist. So I filed my dispute with PNC Bank against the charge to my debit card. I filed it on XX/XX/2020 through their online banking submission form. I provided them with the dates and tracking information confirming that the merchandise was not received. Their online system did not allow me to select the partial amount of {$200.00} so the claim was submitted for the full amount of {$410.00} and I included an explanation in the body of the form that I was only disputing {$200.00}. I received a credit for {$410.00} to my account several days later. Two weeks after that, I received a letter in the mail asking for all the same information I already provided. This letter also stated very clearly that if I did not fill it out and return it, they would use the information I have already provided. Having already provided every detail they could need, I did not return the letter. As a result, my claim was denied and my account was charged the {$410.00} again. When I contacted PNC to re-open the claim, they advised they would re-send the letter and to fill it out and return it. I received no repeat letter. Instead, 30 days after I reactivated my dispute, I received another letter denying my claim. When I called and escalated the dispute to a manager, the only explanation I was provided was that because I did not sign and return the letter, they closed my claim. Even when I explained that their own letter included the statement that they would use the information I already provided, the " manager '' simply repeated himself over and over. It was at that time I realized they would be no help in protecting me and my financial interests. So I informed them at that time I would be filing a complaint with the CFPB and that I wanted it on record that I was filing said complaint because of the misinformation they provided on their own paperwork. I am aware of the requirements for a valid Visa dispute code XXXX for non-receipt of merchandise. I contacted my bank well within the required timeframes and provided them with all of the required information to file a valid dispute against XXXX and pursue a chargeback against which the merchant had no valid argument. I believe that the only reason PNC did not pursue my claim is that they did not take action promptly enough to be able to file the claim within the dispute timeframes to recover the funds from XXXX.
Company Response:
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-20
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: A fraudulent account was in process of being opened in my name and PNC Bank has not given me written notice that the account is closed, inactive, and will never appear on my credit report. I sent an FTC Identity Theft letter and never received any response.
Company Response:
State: TX
Zip: 78414
Submitted Via: Web
Date Sent: 2021-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-20
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I co-signed an auto loan in XX/XX/2020 with my son through PNC bank for an auto that we both own jointly but that he drives. He had an account with the bank and it set up auto pay for the loan from his account. Of course, soon after that he lost his job due to XXXX. PNC closed the account that he had set up the auto payment on because he overdrew it by {$70.00} ( his fault ) and didn't pay it back quickly. I have continued to make all the monthly payments on time from my account. ( My son is working again and gives me the money to make the payment. ) The problem is that PNC kept trying to collect a payment from the closed account that was set up for the auto pay, along with insufficient fund charges and late fees. I went to the local branch and an officer said that he should have cancelled the auto pay but admitted that he couldn't because he can't access his closed account. The officer canceled the auto pay but said he did not have the authority to cancel the fees. The branch manager told me the same thing. ( Mostly she does not return my calls! ) We keep receiving threatening letters from PNC and collection agencies threatening to repossess the car. We have also called the auto loan department. ( Same response- we have to apply for a fee waiver that we never receive. ) I called to ask for the regional manager 's phone number but was refused. Once again, PNC has received EVERY payment on time and in full! Please help.
Company Response:
State: GA
Zip: 30340
Submitted Via: Web
Date Sent: 2021-01-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-20
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I do not recall opening an account with PNC Bank in or around XX/XX/2016 for the amount of {$770.00}. The bank put my on a negative XXXX list and it makes it difficult to open a bank account with other institutions. I believe I was the victim of identity theft as there have been many credit breaches within the last ten years.
Company Response:
State: NC
Zip: 28451
Submitted Via: Web
Date Sent: 2021-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-20
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: PNC BANK N.A . is criminally liable an has willfully and knowing 15 USC 1611 ( 1 ) broke federal laws by unauthorized use of my credit card 15 USC 1602 ( p ) because I never benefited from the consumer credit transaction 15 USC 1602 ( i ) I initiated with PNC BANK N.A . during initial communication it was never disclose that this is an attempt to collect a debt. All shown in exhibits. PNC BANK N.A . has violated federal law 15 USC 1692c ( c ) by calling me after receiving cease and desist through the mail on XX/XX/2020 and receiving a CFPB Complaint portal on XX/XX/2020 admitted to the actions which is a violation of federal law shown in exhibits. PNC BANK N.A . has violated federal law 15 USC 1692b ( 2 ) stating that me the consumer and natural person owes a debt which violates federal law by an agent from PNC BANK N.A . admitted to the actions in writing which is a violation of federal law shown in exhibits. In exhibits shows how PNC BANK N.A . are criminally liable for their action violating 15 USC 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I am the cardholder 15 USC 1602 ( n ) The term cardholder means any person to whom a credit card is issued or any person who has agreed with the card issuer to pay obligations arising from the issuance of a credit card to another person. Allowed PNC BANK N.A . to use my Social security card 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Shown in exhibit how PNC BANK N.A . only benefits from the consumer credit transaction by collecting on a debt that is not owed by the consumer natural person.
Company Response:
State: FL
Zip: 33604
Submitted Via: Web
Date Sent: 2021-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-19
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a refinance loan around XX/XX/XXXX. After supplying PNC with all the required information, getting approved, and locking in pricing, PNC attempted to change the rate at the last moment. They reran my credit score ( per them, they claimed my name was misspelled - they transposed 2 letters of my first name when entering my data into their system. ) The sales agent that was responsible for my account has left the company. His boss XXXX XXXX refuses to return my emails dated XX/XX/, and XXXX. Now refi prices have moved against me, they have damaged my credit by running multiple enquiries into the credit bureaus, and I cant refi at best rates ( score was over 800 ) given my now lower credit score due to their clerical errors. Not only is this a classic bait and switch, but the bank has yet to try to resolve the loan.
Company Response:
State: TX
Zip: 77006
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage was taken over by PNC Bank in XXXX, Ohio. Apparently my taxes went up a bit and the monthly amount was increased. Because they had an incomplete address ( I disputed that I could ever have let that happen as they only use XXXXhe street address of a condo complex, not my condo number ), I didn't get the notification until a bunch of mail from the bank was bundled together. In that bundle it stated I had not made the XXXX payment, and I owed that plus XXXX at the increased rate, plus a late fee. I had paid XXXX, but the amount was {$68.00} short of the total because I had not gotten the notification of the increase. I called customer service and was told that if I paid the difference and the full amount for XXXX before XX/XX/XXXX, they would take off the late charge. I paid the 2 amounts through my bank online while still on the phone with customer service. It was received XX/XX/XXXX. PNC Bank corrected the mailing address and I was told they could not correct the note without a letter from the post office. ( The postmaster at my post office said there is no such thing. ) I paid the XX/XX/XXXX bill with the corrected amount and it was received on XX/XX/XXXX ; I always have the mortgage paid before it is due, but they keep passing along the late fee. I do not know why the late fee keeps getting passed along to me when I was told it was removed.
Company Response:
State: WA
Zip: 98043
Submitted Via: Web
Date Sent: 2021-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Recently reviewed my XX/XX/XXXX report and noticed PNC bank accounts that were removed and some that were closed due to fraudulent transactions. I am requesting for PNC bank to remove any debts from my name for any checking accounts as I havent used any accounts with them since 2002.
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: PNC bank reported 30 day late payments to XXXX, on both XXXX and XX/XX/XXXX This was a used automobile loan. My daughter was in a bad accident on XX/XX/XXXX, the car was a total loss. My XXXX payment was due on the XXXX, and I made the payment on XX/XX/XXXX. I reversed the payment the next day, because I was under the impression that the insurance company would be paying the car off before the payment would be 30 days late, as they told me they would, then I would pay the small balance due. I didnt want to pay more than I had to because the banks never payout as fast as they expect me to pay them. However, either my insurance did not send the check to PNC to pay off the car when they said they would, or pnc did not process it, until XX/XX/XXXX. PNC did not even attempt to contact me to let me know they hadnt received the payment, until I received a 30 day late notice through the mail. Upon receiving the late notice, I immediately called and they told me I needed to make a payment of {$360.00}, in order to be current for both XXXX and XXXX. I made the payment over the phone and it was taken out of my bank on XX/XX/XXXX. I have attached a redacted screen shot of my XXXX XXXX account for the month of XXXX, which shows the payment. My math tells me XXXX payment ( XX/XX/XXXX ) was only 22 days past the due date ( XX/XX/XXXX ). I have also uploaded a photo of the PNC payment coupons, showing my due date was the XXXX of each month. By the way, PNC demanded more money than I owed, so they owed me money. I did not receive the overpayment check from them for over 4 weeks. Perhaps you can ask PNC where I should send the invoice for their late payment fee.
Company Response:
State: IL
Zip: 60618
Submitted Via: Web
Date Sent: 2021-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-18
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: PNC Bank denied my dispute and removed reimbursed funds from my account and have not re-refunded me my money in the amount of two transactions totally {$260.00}. I booked a hotel XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, FL through XXXX. once me any my fiance checked in and headed to our room with our luggage was shocked and terrified upon what we came in contact with. I swiped my card and turned the light on. A random, XXXX, middle-aged, big man laying on the bed in the dark with the curtains closed. He jumped up and ran out the room. We were completely horrified and in shock and went back to the front desk telling the girl at the front desk what had happened. We told her we didn't feel safe in our room and we wanted a full refund and to check out. The girl was completely empathetic to the situation and apologizing. She told us there wasn't a manager on the property at that time and to contact XXXX for the refund. I contacted XXXX which they told us only the property could release the refund. Needless to say, we left that hotel and went to another hotel for our vacation at the XXXX XXXX XXXX a half hour later. I tried contacting the property through email and number provided but they ignored all my communication attempts. I contacted their main headquarters in XXXX, MD " XXXX XXXX. '' I filed a complaint with them about this XXXX XXXX. I filed two disputes with my bank, PNC because the hotel still charged me two transactions for the room amount in the total of {$260.00}. PNC bank reimbursemed me initially upon my disputes. XX/XX/2020 PNC bank removed that money from my checking account and sent a letter of the denial of my dispute stating they had not recieved any documentation for the dispute. I faxed my same documentation again a second time with confirmation from a local PNC branch. They are still ignoring my requests and have not gave me rightfully my money back to me that they took directly out of my account without any notice. I am highly appalled with PNC bank and their customer service.
Company Response:
State: PA
Zip: 156XX
Submitted Via: Web
Date Sent: 2021-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A