Date Received: 2020-06-20
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I am trying to link to my account and it has stated that PNC will not allow it.
Company Response:
State: IN
Zip: 46224
Submitted Via: Web
Date Sent: 2020-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-20
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Pnc will not allow me to connect my debit card to my XXXX account for the round up feature. They claim it is a security issue, yet my checking account is already connected for the monthly deposit I make into my XXXX account so it doesnt make sense.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2020-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: PNC Bank will not let me use my acct to verify my credentials in this app.
Company Response:
State: KY
Zip: 427XX
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
Issue: Problem adding money
Subissue:
Consumer Complaint: PNC will no longer allow me to long my digital savings account, XXXX.
Company Response:
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I can not link my account on the XXXX
Company Response:
State: VA
Zip: 20121
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: PNC blocks me from using XXXX. This is unacceptable.
Company Response:
State: KY
Zip: 40515
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
Issue: Other service problem
Subissue:
Consumer Complaint: Attempted to transfer funds totaling {$350.00} on XXXX from my personal XXXX account ( via PNC checking analysis account ) to an external XXXX account belonging to a friend and was blocked from doing so by an error stating that PNC has made a change which prevents me from being able to link my accounts. I use this XXXX service frequently and need its use restored. PNC and XXXX recommended I file a complaint with the CFPB in order to have service restored.
Company Response:
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Trying to log on to XXXX to fund my stock market account, and PNC refuses to let my account transfer money every single time. If you try to use a PNC bank account with any app that uses 'XXXX ', it will not work at all.
Company Response:
State: KY
Zip: 40222
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: PNC Customer Service Research Department XXXX. XXXX XXXX XXXX, OH XXXX PNC Mortgage XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX Account # XXXX XXXX I am writing this letter to file a formal complaint against PNC Loss Mitigation. On XX/XX/XXXX, I refinanced my home with PNC bank. I want it to go on record I have not been 30 days past due/or missed a payment for the past two years and six months, the time-period of my loan. My payments in the amount of {$2800.00} remained current up until XX/XX/XXXX. On XX/XX/XXXX, I applied and submitted an application for the ( COVID-19 ) Corona Virus Aid Relief & Economic Security Act ( CARESACT ) Forbearance Plan, a new federal law to help consumers who are experiencing financial hardship making payments during this economic pandemic. ( see attachment # 1 ). This new Federal Law ( CARESACT ) protects consumers from negative information being reported to all major Credit Bureaus mortgage relief or assistance related to the COVID-19 emergency during the forbearance process. During the period covered by the CARES Act, the CARES Act requires your mortgage ( PNC ) servicer to report your account as current if your account was current at the time of the forbearance and if you meet the terms of your mortgage relief ; or if your account was delinquent before the COVID-19 emergency, to maintain the same delinquent status. If you bring your account current during the forbearance, your mortgage servicer must report the loan as current. On XX/XX/XXXX, ( see attachment # 2 ) I received a letter from PNC stating my forbearance plan has been approved and during this forbearance plan my payments have been temporarily suspended in the amount of {$2800.00} for three months beginning XX/XX/2020-XX/XX/2020 and I do not have to make any mortgage payments. On XX/XX/XXXX, ( see attachment # 3 ), I received a letter from PNC Loss Mitigation, based on a review of the information I provided. I have been approved for a conditional Trial Period Plan. In the letter PNC has informed me beginning on XX/XX/2020-XX/XX/2020 I should make a monthly payment in the amount of {$2300.00}. On XX/XX/XXXX, I submitted a payment in the amount of {$2300.00} for the month of XXXX payment ( confirmation # XXXX ) and on XX/XX/XXXX I scheduled a payment for XX/XX/2020 ( confirmation # XXXX ) in the amount of {$2300.00}. I was told by the PNC representative who accepted my payment, I could not schedule XXXX payment until XXXX. ( On Page # 2, XX/XX/XXXX * starred highlighted ) PNC states that all past due loans are reported to credit reporting agencies on a regular basis and my loan will be reported as past due until it is brought current. This statement totally goes against the new Federal COVID-19 Law which requires my loan servicer PNC to report my account as current if my account was current at the time of the forbearance and I meet the terms of my mortgage relief which I have. During the time I applied for the forbearance plan on XX/XX/XXXX, my loan was not delinquent. As of XX/XX/XXXX, my loan is current. On XX/XX/XXXX, ( see attachment # 4 ) I received a letter from PNC Customer Service dated XX/XX/XXXX, stating PNC has reported late payments to all major credit bureaus XXXX, XXXX and XXXX. I called PNC customer service approximately XXXX XXXX and spoke to a representative XXXX, who refused to give his last name. I explained my concerns to XXXX that PNC should have not have reported any late payments to credit bureaus based on the new Federal COVID-19 law and he assured me I had nothing to be concerned about and the letter was just an automated-generated letter that goes out when a consumer is late. He went on to say he will flag my account to make sure my credit is not impacted due to my forbearance plan is in good standing. I checked my credit report and noticed that PNC did reported my XXXX and XXXX payments as being 60 days late. I have attached copies of the negative reporting from XXXX showing PNC reported my account 60 days late for the months of XXXX and XXXX along with copies of my scores from XXXX and XXXX showing my scores have been affected due to this negative reporting. I'm writing this letter because I am beyond frustrated. PNC has reported me to all credit bureaus as being 60 days late for the months of XXXX and XXXX which should have never happened. This incorrect reporting has not only impacted my credit score, but it has also put me in a state of XXXX XXXX PNC has not adhered to the federal law during this natural disaster of CONVID-19 which they should uphold. This should have never been reported due to me being on a forbearance plan and the new Federal COVID-19 Law prohibits the loan servicers from reporting my account as late during this process regarding if I was delinquent or current with my payments. I have met all requirements to maintain eligibility for this plan and have brought my payments current as of XX/XX/XXXX. During this process, I provided all requested documents to PNC to process my Trial Modification and PNC Bank is refusing to assist me in this matter. I am requesting my loan servicer PNC to submit a letter updating my status to " Paid on Time '' to all three credit bureaus. This derogatory information needs to be corrected with all three credit bureaus immediately. I have forwarded this compliant to the following ; Cc. * Attorney General Office ( OAG ) XXXX XXXX District of Columbia Government *XXXX , XXXX , XXXX Dispute Center *Consumers Financial Protection Bureau ( CFPB XXXX *Csinquiry @ PNC *Federal Trade Commission * Mortgage Housing Assistance * American Association of Residential Mortgage I am asking for an investigation to assist me in resolving this matter with PNC bank. I can be reached at XXXX or XXXX. XXXX XXXX
Company Response:
State: DC
Zip: 20001
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I'm trying to make a deposit into the XXXX app.
Company Response:
State: OH
Zip: 435XX
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A