Date Received: 2023-09-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XX/XX/XXXX marked the XXXX Anniversary of my wife 's death. I decided it was time to sell 60 acres for property we had acquired together in XXXX to expand our plant nursery. On XX/XX/XXXX the vacant land was listed with a realtor. Within a few days we had several offers and I accepted one on XX/XX/XXXX. The XXXX XXXX XXXX did their research and uncovered a Mortgage Lien filed by XXXX XXXX XXXX XXXX in XXXX with the XXXX ( MI ) XXXX XXXX XXXX XXXX. I was shocked. Any matters related to ownership would have been resolved within 2-3 years after my wife 's passing. I spoke with XXXX XXXX XXXX and was told it was not uncommon and the bank most likely failed to discharge the lien. My online research brought me to PNC with had acquired NationalCity Bank which had merged with XXXX XXXX XXXX. After phoning several departments of PNC and getting nowhere I XXXX them and received an immediate response. I was directed to contact XXXX XXXX ( XXXX ) and was told if they were unresponsive to tweet back and they would escalate the matter. I reached out to XXXX and they opened an secure online portal to resolve the matter. My sense was they shifted the responsibility of proof to me while I complied wasn't it ultimately their responsibility to prove I owed them money? The sale was pending and in jeopardy of not going through so I took action to prove toe the title company that there was no outstanding debt and lien was invalid. They insured the title and the sale was completed XX/XX/XXXX. Unknown to me XXXX had mailed a discharge document to XXXX XXXX on XX/XX/XXXX. When I followed up with XXXX XXXX on XX/XX/XXXX I was told that the document sent by PNC did not fulfill the requirement to discharge the lien and the assignment of rents filed on the same day. I was also advised that even though the title was insured it was in by best interest to see the process through with PNC. I emailed XXXX today stating the current situation and await their reply. Given that I had done all I could and the matter was not resolved I am contacting the CFPB to bring additional weight to the matter. XXXX XXXX identified the Libre 741 Page 317 and Libre 741 Page 323
Company Response:
State: CA
Zip: 95825
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: On XX/XX/XXXX, I called PNC Bank to make a payment to an auto loan. Somehow the inaccurate checking account number was entered. I updated the checking account and payment regarding loan and late fees. As a result a late payment was added to my credit report. This is the only late payment due to the situation. On XX/XX/XXXX, I sent a fax following the phone call with PNC Bank to its Consumer Credit Bureau Investigation. On XXXX XXXX I called regarding the status of dispute and I was told company never received letter.
Company Response:
State: NM
Zip: 88310
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/XXXX I opened a new account with PNC Bank online and made deposits of {$100000.00} in the subsequent XXXXwo months. After opening the account and making my first two deposits I was informed by a friend of a deal in which PNC Bank would either pay a cash bonus of {$200.00} if a new Virtual Wallet with Performance Spend was opened and {$2000.00} in qualifying deposits was made or {$400.00} if a new Virtual Wallet with Performance Select was opened and {$5000.00} in qualifying deposits was made. In XXXX I called PNC bank and inquired of the bonus and was informed that the detail I heard from a friend were correct. I then contacted my employer and asked for my direct deposit be changed. On XX/XX/XXXX a trial deposit was made and on XX/XX/XXXX and every XXXX weeks subsequently a direct deposit of my paycheck has been made to PNC bank. I thought at XXXX XXXX I was all set and a bonus if {$400.00} would be deposited in my account. On XX/XX/XXXX I called PNC Bank to inquire about my bonus. The first agent I spoke to was very nice but told me that my husband had previously opened an account with PNC Bank and due to him being listed as co-owner on the account I would not be receiving the {$400.00}. I informed the agent that my husband had tried to open accounts but due to malfunction the accounts were never used. The agent was talking to a manager about this and the phone call was disconnected. My husband did open an account on XX/XX/XXXX and closed it on XX/XX/XXXX a total of {$10.00} was deposited and subsequently transfer in the account. Another account was opened and closed on XX/XX/XXXX no transactions occurred. It should be noted that my husband is not allowed access to my account when calling via phone. Subsequent to my disconnected call I was picked up by a different agent and was informed that the time period to make a qualifying deposit was 60 days after the account was opened, something that the agent I spoke to in XXXX failed to inform me about. The agent then checked my account and saw the first direct deposit was made on XX/XX/XXXX and I was informed that unfortunately that was over the 60 day time limit.
Company Response:
State: CA
Zip: 94550
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I was looking over my credit report and i realized that my consumer report had unauthorized inquiries that I didnt know about. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be DELETED! It has been a defamation of my character Company name : PNC BANK Date : XX/XX/XXXX Credit berau : XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Me and my XXXX siblings were given a check in an amount over {$10000.00} from a family friend. On XX/XX/2023 I walked into PNC Bank to open up a bank account and use that check as my deposit. The process went well but that evening I got a text stating that the check will be put on hold until five business day. I received a letter dated XX/XX/2023 stating that my check would be released the fifth business day.On the six business day, my check was not released which made it XXXX XXXX. When I asked why they are saying that theyre going to hold it for another five business days and that they need to get in contact with the person who issued out the check then they gave me a reference number stating that I call ( XXXX XXXX XXXX XXXX the bank who it initially came from to call PNC XXXX they are also telling me if they never get in contact with the person who issued out the check, they will hold my money
Company Response:
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am writing to dispute two late payments that were placed on my credit report, as well as my wifes mistakenly by PNC Bank after we were awarded by loan officer XXXX XXXX, XXXX XXXX Representative, deferred payments for our credit card and personal loan because we were attempting to do a debt consolidation/hardship with PNC through a local branch, XXXX NC . We tried to file a dispute online with the credit reporting agencies but were advised that PNC would have to remove their mistake on their own. We attempted to rectify the situation with PNC but were told by several individuals that there was nothing they could do, even though the loan officer at the XXXX XXXX, XXXX, told us that we wouldnt have to pay for those months because they were being deferred. The account number, XXXX, was opened on XXXX. The late fees were attributed for XX/XX/2020 and XX/XX/2020, again after we had been awarded deferred payments. You can go back and look to see we had no late payments prior to that with the credit card or after those two incidents. At the same time, we had a personal loan, XXXX, through PNC that was awarded deferred payments by XXXX or XXXX in the loan department on XXXX in an attempt to consolidate the debt. We were advised that the XXXX and XXXX payments for XXXX would be deferred and we were never charged late payments for that endeavor. The loan was paid in full on XXXX. When we discovered the late payments, we immediately went to the XXXX XXXX to meet with XXXX XXXX. She immediately started apologizing and said she would get the situation rectified. She further mentioned that all of her calls are recorded so it would show that we were in the rightthat we were told by her not to make payments. Some time went by and we were directed to a XXXX XXXX in Executive Client Relations. XXXX advised he would have it taken care of. I have that conversation, as well as many others with other PNC reps, recorded. Again, time passed and nothing had been done. We again went to the XXXX XXXX to seek assistance and was told XXXX XXXX had left the company. We spoke with XXXX who was the senior branch representative and she said she remembered the whole debacle. Her comment was, They havent take care of that yet. Let me see what we can do on our end. She put in me touch with XXXX XXXX in the Executive Client Relations Group which advised she would review our case. I havent heard one peep from her or that office since then. As I mentioned before, we have written to PNC to address this mistake and the response was that the credit bureaus would have to have that taken off. We have written to the credit bureaus and the response was that PNC would have to have that taken off. We have tried XXXX XXXX to have the late payments addressed to no avail. Please explain to us, either by email, phone or mail why we are being punished for trying to consolidate our debt with PNC when the loan officer at PNC, XXXX XXXX, advised us not to pay those months because they would be consolidated. You can go back and listen to her recordings on her phone line ( we know because she told us they were recorded ) with several departments after she realized what happened and tried to rectify the situation. We also have recordings with XXXX XXXX and XXXX from the escalation department explaining that they would try to rectify the situation but never did. We have never had a late payment on our credit report until PNC dropped the ball. We take our credit very seriously and will start searching for credit lawyers to tackle this issue if it is not resolved.
Company Response:
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: An account users debit card was stolen. We immediately reported the issue to PNC and went to the XXXX XXXX XXXX in XXXX ALfor a replacement card. The young was very nice but in the process of replacing the card the wrong account was attached. I returned to the branch the following day requesting that the setup of the card be reviewed because transactions were posting on the both accounts. I pointed a hotel charge and advised which account it should post. The associate could not figure out why the item was showing on both accounts. She said she would have her manager give me a call. She went on the say that the issue with the card had been resolved. Despite her efforts, the card issue remained unresolved and daily expenses and travel expenses were being debited from the operating account not the secondary account. I then called the toll free customer service line to escalate the matter. I called them 3 or 4 times on several days and was told that they could see mo issue with the card. The card then worked for purchases but not at the ATM. Each time we were reassured that the card was only connected to the secondary account and not the operating account. We stopped seeing transactions on the operating account and so we thought what we were being told was accurate. We never received a call back from the local manager to discuss the charges that posted to the wrong account so we were reluctant to make deposits. We were monitoring the accounts for the appropriate adjustments to be made so that we could begin to use the account again. Not only did PNC Bank fail to make the adjustment, they determined that we were not worth banking and decided to initiate the close of our operating account. At the point that the closure was done, the card that was never to be connected with the operating account was closed too. They were dishonest stating that the card was no longer connected to the operating account when in fact it was. Its disturbing that a so called reputable institution was unable to replace a simple debit card and no one took the time to look at all facets of our requests and concerns. I spent a total of 6 hours on the road going to and from the closest branch ( 4 visits ) and at least 7 hours on multiple calls working with people who could not resolve the issue. We are incredibly dissatisfied that they failed to make the appropriate adjustment because of their bankers mistake or systems malfunction. That coupled with service providers that dont care of enough to return a call. It is concerning that they had time to review the account to determine closure but they didnt have time to review the account to address the situation they caused. I have requested that they review the decision. I was given to a voicemail and told they may not call back. Im certainly accustomed to them not calling back and not following through. We are not new clients. Were account owners before PNC merged with RBC. Of course none of that matters. PNC is not what it used to be.
Company Response:
State: AL
Zip: 36830
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: At some point between calling to request a replacement debit card because mine was expiring and Sunday XX/XX/XXXX my existing debit card stopped working. Ive broken down the timeline of events below. Please note my husband I share a vehicle, I rented a car to drive to XXXX, and returned it on XX/XX/XXXX. XXXX XXXX - call for replacement debit card. No card is ever received. Called PNC to check on this, they claim it will be mailed soon and to keep using my existing debit card until the new one gets to me. XX/XX/XXXX XXXX - Attempt to use existing debit card in NY while driving to XXXX to speak at a conference. Card is declined for mismatched expiration date XX/XX/XXXX XXXX - Call PNC, agent shows no concern, has no solution XX/XX/XXXX XXXX - Call back, get a new rep who shows concern and works on solution. On hold for 20 minutes while she researches. Call drops ( either rep hung up or lost signal ). XX/XX/XXXX XXXX - Call again ask rep to read notes from previous rep, he refuses and claims because Im angry he has to escalate me to higher level rep, Im transferred to the main PNC number ( he lied about escalating ) XX/XX/XXXX XXXX - Call back, rep is very apologetic, sees the issue, admits theres no workable solution to get it to me. Suggests I call back when back in town before XXXX to have a debit card overnighted to me. XX/XX/XXXX XXXX - Call and per directions from previous rep ask for a manager as they are the only ones who can have a card expedited. Transferred to manager who is very dismissive of the issue. Doesnt seem to understand the card not working is a PNC error. She tells me to drive to a branch. I explained that PNC needs to cover the cost of transportation back and forth from branch as my husband has our car at work ( I work from XXXX ). Again explain that this should be expedited at PNCs expense as deactivation of my card and no replacement ever being mailed is a PNC error. After 45 minutes on hold they still have not agreed to do what previous rep said they would do and expedited a new card.
Company Response:
State: OH
Zip: 44095
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Rocket Mortgage paid off Balances of my outstanding debts, I took the check the cut to my Local PNC branch in XXXX XXXX, Ohio. BTW XXXX XXXX lives here XXXX his name!! The was to be paid off yesterday I went to that same Branch to have password problems resolved only find out they had not paid off the XXXX card but had hit charged me with Late fees!!! I had not received a statement since it was " paid off. '' During this time my password locked, and I could not reset it!! FRAUD!!!!!! CRIMINAL!!!! XXXX XXXX office will be notified!!!
Company Response:
State: OH
Zip: 43123
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Trouble accessing funds in your mobile or digital wallet
Subissue:
Consumer Complaint: On XX/XX/2023 I had a direct deposit in the amount of {$1800.00} directly deposited into my XXXX Bank Account issued by PNC Bank XXXX XXXX, a campus based Federal student loan servicer. On XX/XX/XXXX " XXXX XXXX Banking closed my account due to violating there " ACH Transfer '' or in other words, " Direct Deposit '' policy. But at first they had told me it was for fraud, I was told that the names on the accounts did not match. Which was a complete lie and they disregarded my willingness to provide proof. I have been attempting to gain access to my money for going on 60 days now. I even had an affidavit emailed to me. Printed the affidavit, filled it out, had it notarized and mailed back to XXXX to have sent to the bank who has been holding my student refund because they refused to reverse the deposit back to the loan servicer to have them redirect the deposit to my other financial institution. XXXX Bank has refused to even email me or call and discuss the matter so here I am taking what ever steps I need to to get my money. I have been trying to get my refund since XX/XX/2023 and today 's date is XX/XX/2023 and I am getting the same run around about contacting them, 5 to 7 days for update, never get update then told to contact the school XXXX XXXX. Then they tell me they are waiting for response from them, and so on. I am getting nowhere with PNC Bank, XXXX XXXX banking, XXXX nor XXXX XXXX XXXX XXXX XXXX XXXX campus. Please help me CFPB!
Company Response:
State: KY
Zip: 40222
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A