Date Received: 2023-10-06
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: The company was notified on, XX/XX/2023, XX/XX/2023 and XX/XX/2023 XXXX certified and registered mail. regarding notice to provide all documentary evidence from the public and private side from the XXXX per the XXXX accounting principles generally accepted in the XXXX ORIGINAL and/or UNALTERED documentation specifying credits, tax liabilities, discharge of debt, bonds, and/or securities as they are applicable to this account. Compliance with 12 CFR 1026.13, which requires correcting the billing error and crediting the consumer 's account with any disputed amount and related finance or other charges, as applicable. XXXX has no knowledge of nor has Lender ever revealed or disclosed to XXXX never intended to agree to or consented to any trust relationship or creation of trust between XXXX and XXXX. XXXX XXXX is participating in deceptive contracts that DO NOT comply with TILA, BILL OF RIGHTS, BILL OF EXCHANGE ACT OF 1882, 12 USC 5531 ( D ), 15 USC 1962E FALSE OR MISLEADING REPRESENTATIONS, 12 USC 1431, 12 USC1435. According to the regulations set forth by the Federal Communications Commission ( FCC ), I am entitled to request and receive a physical, signed copy of the contract in question. In accordance with FCC regulations, the specific code or provision that grants me this right is outlined in Title 47 of the Code of Federal Regulations ( CFR ). While I do not have the exact code at hand, it is my understanding that the FCC ensures consumers have access to signed copies of contracts, especially those related to telecommunications and related services. Lender is intentionally concealing and withholding material facts regarding any trust or the creation of any trust in re alleged Title of Trust connected to alleged account # XXXX This is a breach of contract and an adverse action for exercising my rights. Consumers also have rights under the Fair Debt Collection Practices Act ( FDCPA ), a separate federal law that regulates the practices of debt collectors. Under the FDCPA, if you request validation of a debt within 30 days of receiving the initial communication from a debt collector, the collector must provide you with certain information, including a written verification of the debt, if requested. However, this does not necessarily require the collector to provide the original signed contract or " wet documents. ''
Company Response:
State: FL
Zip: 33430
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/2023, I went into a local PNC bank branch to discuss my CD with over {$13000.00} dollars in it. I had received a letter stating that the XXXX was maturing on XX/XX/2023. I was initially going to reinvest in another XXXX with a higher interest rate. The funds were visible on my PNC app and in my account from the bankers view. When the banker attempted to move the funds, she received an error message. I then said to forget the new CD, I wanted a cashiers check and I would take my money to a competitor. I had already had several issues with PNC in the past including difficulty with communication and CD with an automatic rollover being send to esheatment without my knowledge. It took several weeks to get my funds reinstated, and when it was reinstated, I did not have the option to remove my money, as it was just put into another XXXX with a very low interest rate. I have been receiving monthly statements for this current CD from PNC, with no indication there was an issue. On XXXX, The banker stated that she was not allowed to withdraw the funds due to an error message on the computer. She called a helpline and spoke to several people. After about XXXX minutes, she stated there would not be a quick resolution and took my phone number saying she would call me back. I did not receive a call back, so I called the branch the next day and spoke to the assistant regional XXXX. She stated that my situation has been escalated to IT support and they will be reaching out to me. Later that day, got a voicemail from PNC retail support stating that there was a glitch in the system. After attempting to call the retail support employee back multiple times, she finally answered, and explained The CD department is saying the funds are not eligible for release and to contact the esheetment department. The esheetment department was saying the funds have been released from their side and should be available. She would call me back when she heard something. I insisted on an update either way the next day. I had not heard an update as of XXXX the next day, so I called the retail support employee and she stated that she heard from both departments, but they were both stating the same, going back and forth saying the issue lies with the other department. PNC bank continues to refuse to allow me to withdraw my money, and close my CD despite the fact that the money is clearly visible and the XXXX has matured. Both the branch employees and the retail support agent clearly acknowledged multiple times that I have ownership on the entire amount listed in the XXXX, and am entitled to withdraw it.
Company Response:
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I sent a XXXX payment of XXXX to a potential new landlord. He didnt sent the lease right after and kept hanging up on my when I tried calling him back. On the XXXX day, I reached out and told him to refund my XXXX payment. I called pnc and told them I suspect fraud on this sender. They said they would investigate. I called them XXXX days later and they said since I willingly made the payment, its nothing they can do. I called the landlord and told him I filed a XXXX report and Im filing a claim in court. He then tried to send money on XXXX separate occasions. He sent XXXX. Each time Pnc rejected the payment. The first one I called pnc about it. They said he didnt sent it and hes probably canceling it. Then I went to the branch and the customer service rep said the same thing. She said I should meet him in person and get the money. He tried sending it again and pnc blocked it. The pnc customer service rep said it was being block on his end and to have him call his bank to unblock it. The third time he sent it and it was blocked, I called pnc again. They said since I file a complaint against him the first time, they permanently blocked him. I called and told him this and he said I need to get him unlocked. Pnc never did and I never received my payment.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: On today I called PNCs Customer Service # @ XXXX XXXX XXXX and they would not allow me to speak with a live customer. All it stated was leave a voicemail message and someone will call you back. I had spoken with an Executive Client Representative to whom appeared nervous and mumbling through his words and strangely gave me a hard time in verifying my account. These are nothing but harassment and retaliation tactics
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Being charged an {$7.00} maintenance fee
Company Response:
State: MI
Zip: 48237
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: PNC bank are the worst for starters. Incompetent reps that never know the answers to than leave me on hold forever to then return in the line clueless not knowing the answer. Listen to how ridiculous they are on {$2.00} times 2 equals {$4.00}. I disputed these two charges that Posted into my checking without my AUTHORIZATION & PNC DOES THIS REPEATELY to side with every vendor & treats us the customer as we are the scum if the earth & looks down on us as if we are liars. To then in every dispute claim 100 % of the XXXX times " that it was valid. '' I'm desperate to leave them one day, but for now... {$2.00} was stolen out of my checking by a third party app. Went back in & stole {$2.00} & PNC INSISTED IT WAS VALID. XXXX NO. I NEVER AUTHORIZED XXXX TO STEAL {$4.00}. PERIOD. PNC DOESN'T GET IT. CPFB ARE SHARP MINDED. THEY WILL UNDERSTAND.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: I got robbed/scammed for a total of XXXX $ from a person that I have no idea who it is and doing 3 different payments at different times and dates without my knowledge so I tried to explain it to my bank but they couldnt help me
Company Response:
State: TX
Zip: 75098
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: I used XXXX through my bank ( PNC ), to purchase tickets to a launch party on XX/XX/2023 from a person that contacted me and said she had tickets available. The person ended up being a scammer and stole the {$100.00} I sent them for the two tickets. The scammer blocked me and stopped replying to my messages. When I realized this, I tried to reach out to my bank but they were closed for the day. I called the next day, XX/XX/2023 and filed a dispute. I also reported the person to XXXX and made a report with the internet crimes complaint center. I also made a report with the FTC ( XXXX ). Two weeks later I get a letter in the mail from bank saying that the dispute claim was denied. I noticed that the date on that letter was from the next business day, XXXX XXXX and that they didnt really investigate the matter. No one called me or asked for any prof of my being scammed. So, I was told that I could make another dispute, which I did and told them they could contact me and I could show them proof that I was scammed because I have the whole conversation that was held with the person that scammed me and it shows they intentionally set out to scam me and had no intention on selling the tickets to me. I think they even forged confirmation that they had these tickets because I contacted the venue it was held at and they could not find the person or anyone with a similar name. That was on XX/XX/2023. Today, I received a letter in the mail that was dated XX/XX/2023. It is was obvious that my bank did not investigate the scam and once again no one contacted me. I called the number on the letter denying the claim because it said I could contact them and they would give me the information they used to rely on making their decision. I asked the person multiple times for this information and then I asked if they just blanket deny disputes if the sender sent it to the person. He put me on hold. The man then came back and said they denied my claim since I sent the money to the person. They do not consider it a scam and consider it like handing someone cash. I said it was a scam and he kept saying it wasnt and it wasnt a scam by the bank. I said I know the bank didnt scam me but this person did and I know they could attempt a chargeback and that the person commuted fraud. I asked to speak to a supervisor and he at first kept saying he could file another dispute. Finally he said he could escalate the claim and someone will call me in 24-48 hours and he couldnt transfer me to anyone. I looked into it and was able to find out that this wasnt this persons first time scamming someone but yet she was still able to use XXXX so reporting her means nothing. I know my bank is one of a few that own XXXX so they are partially responsible for not stopping people like her. I and the venue have done more investigation than my bank has. The bank doesnt lookout for its customers. XXXX doesnt either ( which my bank, PNC , is a part owner of ). The venue tried looking out for me better than my own bank. They lie about investigating the situation just to shut you up. They dont investigate if you are scammed by someone that is defrauding you. When possible I will look for a place that doesnt use XXXX and that looks out for its customers. Banks and scammers should be held liable for these actions.
Company Response:
State: CA
Zip: 90023
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: XX/XX/29 s/w many agents then last one was XXXX XXXX XXXX mortgage servicing XXXX. According to her PNC XXXX rules that I can not set up an online account until I get verified, which I've already been verified to become Successor in Interest. She did not care that the law states XXXX should be treated as the borrower. She also did not care I was going to report PNC for not following the rule. Also they would not give me a pay off amount. They also demanded I give them a date to pay off, which I told them how can I give you a date if I don't know if I can pay it off since PNC won't give me the amount? PNC also did not take off my deceased husband 's name off loan they insist on addressing all communications to XXXX of XXXX XXXX which I have told them over and over there is no estate. They also gave me a very difficult time to become successor in interest. They kept telling me I had to go to the county recorders office to get an affidavit notarized, which I didn't have finances to pay for any of that and also do not have a car because I ca n't XXXX due to medical XXXX issues. The whole time all they needed was the death certificate and something that proved I was married to my husband, which the death cert does state XXXX XXXX as spouse and my CA ID. I should also be named on the deed since I did inherit our marital home and I am making the mortgage payments out of my husband and mine joint bank account.
Company Response:
State: CA
Zip: 95209
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX we had unauthorized charges come through our checking out, via my debit card. I was notified by text of three of these charges and marked them as fraudulent. I then followed up with the bank the same day to confirm that those charges were not going through and then they closed that debit card and sent me a new one. Later that afternoon I received a few notifications from XXXX stating that orders that I did not place had be shipped. I then called PNC back and asked why these charges still went through - they said that since it was my debit card, I would have to wait until the charges posted before I could file a dispute. Over the next few days I tried calling XXXX to cancel or refuse the orders that had been placed in my name and there was nothing they could do about it. The charges showed up on my account and said that the products were delivered to me but nothing was ever delivered. To define these charges/orders : - They all happened on the same day - at the same time - For the exact same product- in the exact same amount We filed one dispute and it took the full 90 days for us to get a response. The response detailed that 3 of the 14 charges were found as fraud but the other 11 were found as legitimate orders. The provisional credit was taken back and PNC closed our checking account AND my credit card without any notice. This is an account that all of our bills come out of, power, mortgage etc. These payments are auto-drafted and because the account was closed without notice we incurred various fees due to returned payments. It then took us a full 3 weeks to receive the cashiers check for the remaining amount in our account, to open a new account at a different bank, and for all of those funds to be available since it was a large deposit. I then filed a complaint with the CFPB regarding this situation and was placed with an agent at PNC. They filed a separate dispute XX/XX/XXXX and within 25 days we received notice that the NEW dispute went nowhere. I have provided a police report and a letter from XXXX stating that the 3rd party company that the fraudulent orders were placed with has since been removed from the platform for " quality reasons. '' In the meantime, my PNC representative stated that XXXX tried to issue the refund for the remaining funds but because they had closed our account, the funds were rejected. My representative at PNC then instructed me to call XXXX and see if they could reissue the refund. Since that instruction I have gone back and forth with both PNC and XXXX trying to find someone who can help, with no luck.
Company Response:
State: NC
Zip: 28152
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A