Date Received: 2020-12-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, PNC BANK and XXXX XXXX XXXX add a hard inquiries on my credit reports. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Company Response:
State: MN
Zip: 55408
Submitted Via: Web
Date Sent: 2020-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a Home equity line of credit with National City bank which was purchased by PNC Bank, I opened the account in XXXX, the loan amount was up to XXXX dollars, I paid this account as agreed until I fell ill with XXXX and was in treatment for over 6 years, During this time I was unable to work and was placed on XXXX by my insurance company. WE obtained a modification from PNC and paid the agreed amount although they took the payments, they reported all late because of the delay in obtaining a modification. After a full recovery and my ability to work again starting in XXXX of XXXX, we made payments and eventually paid the balance of XXXX when we sold our home. PNC reported and still reports that this loan was charged off, I never received any type of notification that PNC intended to or did charge this loan off, my first realization was when it showed up on my credit report with XX/XX/XXXX when i applied for a new construction mortgage. I have tried in vain to have this " Charged Off '' notation removed from my credit report, several attempts at PNC and at XX/XX/XXXX. I have attached documents showing my request for pay off and my Letter of " Congratulations '' showing my loan was paid in full with all charges and interest. and a release of lien. I also have attached the closing statement showing the payment to PNC from the proceeds of the sale of our home. I believe they received a tax break from the IRS for this Charge off and they were paid in full for this loan.
Company Response:
State: FL
Zip: 33569
Submitted Via: Web
Date Sent: 2020-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-10
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: I had {$16.00} in my bank XX/XX/2020, I made 2 charges of {$4.00} and {$11.00} which was pending on my account. Pnc bank charged me an overdraft fee of {$36.00} before the 2 payments posted to my account which my account was not negative and wouldnt have been if they wouldnt have charged me the fee for no reason, so them charging me the {$36.00} when I only had {$16.00} it made my account over drawn. Then they charged me 2 over draft fees the same day XX/XX/2020 for the 2 items that should have been covered and still positive. So the day of XX/XX/2020 they charged my account 4 over draft fees of {$36.00} each. First one was a mistake that caused me to go negative, then the next 2 for the 2 purchases I made before they made my account negative, then the 4th I have no clue why. I did have a bill that came out thru XXXX for {$200.00}, which I knew it would be an overdraft and an accidently purchase {$25.00}, I made which i accept those 2 fees. On XX/XX/2020 they charged me 3 and then on XX/XX/2020 they charged me another one. So in total the bank charged me 8 over draft fees for 2 items that I knew would cause those all because they charged me an over draft fee when my account was still positive. I spoke with the 1800 number for the bank XX/XX/2020 and they filed a complaint. then I went to the bank in XXXX Indiana to speak with an accountant and she bluntly told me after I showed her my bank print out and explained what happened, I do see what happened and I understand, but since I filed a complaint over the phone it was out of her hands at the branch. But she said what she is looking at they wont do anything or even cal me back about the matter and she was sorry for the trouble. She would not explain why they would not fix their mistakes or any kind of explanation. I was with her for probably 15 mins till she said have a nice day. I have not heard from the complaint department and when I call they say I have to wait to hear from them. I tried to have my HR dept put a stop on my paycheck I get this friday XX/XX/2020 till it got fixed and I switch banks but the paycheck has already been sent for processing. My account is now {$520.00} negative, I have to pay rent, daycare, and gas for work. They refuse to even reverse them till the matter is fixed. They refuse to do anything even tho they said they understand and see what happened because I had 2 reversed at the beginning of the year. I have had issues with over draft charges being placed on my account before and because I had no purchases come out that day they reversed them immediately before I even knew and with them charging them in the past at random and causing issues similar to this but not has severe. Instead of them reversing their mistake and it being on them they counted it against me on forgiveness overdraft fees that I'm allowed each year. I am switching banks as soon as this gets fixed and I have also filed a complaint with the Pnc head quarters along with the XXXX. I am at a loss on what to do cause no I have late fees for rent cause I can not pay and I am having to find assistance to get XXXX gifts for my XXXX young daughters.
Company Response:
State: IN
Zip: 46168
Submitted Via: Web
Date Sent: 2020-12-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-09
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: 1. I booked a trip through XXXX XXXX on XX/XX/XXXX and paid a {$300.00} deposit via my XXXX account that is linked to my PNC checking account. The trip was to XXXX and scheduled for XX/XX/XXXX. The company is XXXX owned. 2. On XX/XX/XXXX, I received an email from XXXX XXXX that the trip would be postponed until XX/XX/XXXX due to COVID 19 and I could either go on the XXXX trip, book a separate trip, or wait one year and request my money back. 3. On XX/XX/XXXX, I received an email from XXXX XXXX indicating that the company was going into administration ( bankruptcy ) and given options on how to try to get the money back. 4. I filed a dispute with XXXX on XX/XX/XXXX and received an email back indicating that the dispute would need to be worked out with the vendor because it was more than 180 days. I then called XXXX and was told to contact my bank, PNC 5. I called PNC and filed a dispute. I was told I would be given an opportunity to provide documentation and would receive information in the mail. I received a letter from PNC on XX/XX/XXXX rejecting the dispute. 6. A contacted the vendor who told me to inform the bank of the XXXX XXXX XXXX to see if they would accept the dispute 7. I called PNC again, was told the money could not be refunded because the transaction was more than 60 days old, and was instructed to go to a branch. I scheduled an appointment with the branch on XX/XX/XXXX and brought my documentation. The woman at the branch called her colleagues and was told that the bank would not review my documentation and there was nothing they could do. 8. I receive an email from XXXX XXXX providing additional information on how to make a claim through their insurance company XXXX XXXX. I submitted the claim. It was rejected on XX/XX/XXXX because I am not an XXXX or XXXX citizen. 9. I reached out to the XXXX Administrator. There is an administration process but it only pays cents. She indicated in an email dated XX/XX/XXXX that a US Customer had success by filing with the CFPB.
Company Response:
State: PA
Zip: 19147
Submitted Via: Web
Date Sent: 2020-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Pnc bank has been holding all not part of my funds since XXXX of this year and I have money in there from every month in this year
Company Response:
State: OH
Zip: 445XX
Submitted Via: Web
Date Sent: 2020-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I want to Link a brokerage account to my PNC bank account but PNC won't allow it and keep directing back to the broker but its PNC bank not allowing the linking of accounts
Company Response:
State: OH
Zip: 44146
Submitted Via: Web
Date Sent: 2020-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-08
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I bank with Pnc bank. A charge came in for {$14.00} then another {$15.00} overdrawing my account by {$29.00}. I had funds in another account that shouldve been used. Pnc chose to transfer only XXXX and XXXX from another account allowing two overdraft fees of {$36.00} totaling {$72.00} to accrue against my checking account. When I recognized the issue, I immediately transferred the money to rectify the shortage. I thought the bank would have provided this courtesy. Instead it appears that the bank is only trying to take money from the customer during a economic hard pressed time.
Company Response:
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2020-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-08
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I attempted to close my account on the afternoon Friday XXXX/XXXX/2020, put originally would have to schedule an appt in a branch that is 18 miles away. Therefore, I transferred the money from my PNC Virtual Wallet Performance Select account to another account I own at another institution. The transaction was successful on XXXX, which brought the account to {$0.00}. The following Monday, XXXX/XXXX/2020, the account was accessed a $ 25 monthly maintenance fee. This fee had never been charged b/c the account was always above {$5000.00}. I called customer service on XX/XX/2020 at noon to ask that the account be closed and the fee be reversed. The first call the agent told me the fee was indeed legitimate and she referenced an article on their website to help explain why I was charged. When I explained that I was attempting to close the account, the agent told me that the fees were explained to me at account opening and I did not meet the qualifications for waive the monthly maintenance fee. She said she can't do anything about the fee b/c it is automatic by their system and can not be reversed. I asked if I could transfer the money back in and then have it waived, and she said no. It should be noted that the account has never had any fees/ waived as a courtesy due to a previous error or problem, as this is not a habitual problem. I then asked if I could speak to someone in the dispute department, and she said she would file a dispute for me, and disconnected the line. At XXXX on XXXX/XXXX/2020, I called back and reached a different agent. After authenticating my account, they transferred me directly to " XXXX '' in the Retail Support Money Management customer support group on a recorded line. I explained that I was trying to close my account, and she indicated that b/c my statement cycle cut off on XXXX and I withdrew the funds on XXXX, the account had dropped under {$5000.00} average balance the month to somewhere around {$4600.00}. I asked how I should have closed, and she indicated that I should have called back on Saturday to request a closure in the account. Now to close the account, I am being advised to bring the account back to a XXXX balance and they will close it. I then asked if the account would be further hit with NSF fees since it is negative, and she indicated that since it was negative due to a fee only, it would not be charged any additional fees. I asked if I would have come in yesterday, which was Monday, would I still have been accessed the fee, she indicated that the fee would have posted anyway b/c the average balance had dropped beneath $ XXXX for the month, even though it was during the last 2 days of the month when I was attempting to close the account. She then mentioned that there is nothing she can do b/c the fee was valid, and the can not be reversed by the core system. I asked to file a formal complaint and have someone reach out to me to further explain, she told me she would be the only person as I was speaking to the complaint department. I then asked for a written confirmation/letter of the dispute so I could share with the CFPB, and she said she couldn't provide that. She then made a comment that I indicated I was planning to close the account, so there was not much else she could do, ended the call. The proper resolution in my mind would be to reverse the maintenance fee and allow me to close the account. I do not intend to pay the institution {$25.00} to allow me to close an account b/c of the timing of the statement cutoff. This account has had over {$5300.00} in it with no activity for over 6 months.
Company Response:
State: SC
Zip: 29063
Submitted Via: Web
Date Sent: 2020-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: PNC Bank [ CreditorName : PNC BANK Account # : XXXX ] reports 3 different dates under date of last activity even after their verification, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.How is this account accurate when date of last activity shows 3 different dates? which is years apart from each other? I notified that I have never made payments for all the months of the year XXXX and I have have requested for the documentation that prove that my last payment was made on XX/XX/XXXX. But you have never furnished any bank records and transaction documentation due to the fact that you are required to have this documentation to determine accuracy of your report. You are in violation of FCRA by continuing to report this inaccurate and erroneous account on my credit report. Remove this account for failure to perform proper investigation.
Company Response:
State: KY
Zip: 41011
Submitted Via: Web
Date Sent: 2020-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Dear Sir or Madam, I'm writing You about account : PNC BANK Account number XXXX Date opened XXXX XXXX, XXXX After obtaining my credit report, I noticed that it shows late payment on the above account with your company. It specifically states that I was late on XX/XX/XXXX. Because of this late entries, it has damaged my credit score and hampered my chances of acquiring new credit. I have previous credit reports from the above mentioned agencies that reflect my account accurately, as paid on time. Not only was I never late on this account, but I never received notice that you were going to insert negative data on my credit report, as you are required by the FCRA. FCRA 623 ( a ) ( 7 ) Negative Information ( A ) Notice to Consumer Required In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. Notice effective for subsequent submissions. After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer. Time of Notice In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the Truth in Lending Act. Reporting inaccurate information is also a violation of the FCRA. I first contacted the above mentioned credit bureaus about the mistake. They sent me a latter stating you verified the information. How is this possible? I would like you to actually look into my account history this time and not just send an automated verified response! After doing so you will see that I was not 30 days late on XX/XX/XXXX. The FCRA allows for damages of {$1000.00} per violation. So far you have violated my rights three times. Twice by never notifying me and once for reporting inaccurate information. I could surely use the XXXX bucks since the interest rate on my other credit cards raised due to your error, not to mention my the priceless cost of my time writing these letters. I am sure youre aware and understand that it is required by law that your company must take proper care in ensuring the accuracy of this information with my account ; To ensure compliance with all provisions of the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with this act in regards to my account. Im requiring written evidence for all the payment you claim that I was late according to my obligations with your company. If you are not able to provide me this evidence that I am legally entitled to have in writing, I affirm that you please delete all negative references of these late payments entries by your company on all CRAs as they were submitted e.g. XX/XX/XXXX, andXX/XX/XXXX. If I have not received these itemized documentations within the period prescribed by law, I will expect to receive written notification that you have deleted all late entries that Ive disputed off my credit report. Im thanking you in advance for attending to my requests promptly.
Company Response:
State: FL
Zip: 33009
Submitted Via: Web
Date Sent: 2020-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A