Date Received: 2020-08-08
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Pnc is blocking me from using my account on certain applications.
Company Response:
State: MD
Zip: 21225
Submitted Via: Web
Date Sent: 2020-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have noticed that PNC BANK have placed an inquiry on my XXXX credit file dated XX/XX/2020. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both PNC BANK and XXXX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Company Response:
State: MO
Zip: 63031
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Problem with customer service
Subissue:
Consumer Complaint: I urgently require a Cheque book but PNC bank doesn't have any branch in California from which I can get a cheque book and they require 2 weeks to ship a chequebook.
Company Response:
State: CA
Zip: 95035
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Blocking XXXX from linking with my account. Please allow
Company Response:
State: OH
Zip: 43725
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for an increase in my interest-only HELOC. I was offered an increase after submitting the required paperwork and paying for the appraisal. I did not have a closing due to the pandemic. I was never told that PNC Bank had created a new loans and that the terms of the loan included the payment of principal and interest. I did not receive notice of the change until I received a statement that required principal and interest. The interest only loan is essential to my qualification for a loan to buy another home without having to sell my current home. I discussed this with PNC when I applied for my increase and was assured that it would not be a problem. The principal and interest loan causes my debt to income ratio to be too high to qualify for the home loan that I am hoping to close on in 45 days. That was the purpose I sought the increase in my HELOC. XXXX XXXX promised to research the issue and get back to me a week ago. I have left a number of unreturned calls. His supervisor promised to call me back but also failed to do so. A couple of weeks ago I was assigned complaint number XXXX.
Company Response:
State: IL
Zip: 61821
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Other service problem
Subissue:
Consumer Complaint: Attempted to transfer funds from PNC Bank to XXXX through XXXX. XXXX does not allow this connection.
Company Response:
State: PA
Zip: 15213
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: All kinds of scandalous XXXX going on with this nation including you and pnc bank aye? What a joke. Must be part of the XXXX breakdown y'all involved as well?
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: My PNC account says it will not link my account with the leasing account.
Company Response:
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Other transaction problem
Subissue:
Consumer Complaint: I'm not allowed to link bank accounts ...
Company Response:
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I have a both business and personal accounts with PNC. My XXXX needs to connect to another bank in order to receive ACH payments from a customer, but PNC has made a change that prevents me from linking my account making electronic transfer of payments impossible. This is a very important customer to my XXXX XXXX, and this action will prevent me from doing business with them in an efficient manner.
Company Response:
State: NC
Zip: 272XX
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A