Date Received: 2023-08-28
Issue: Problem with customer service
Subissue:
Consumer Complaint: I attempt to cash draft check at PNC BANK OF XXXX NC from a company related with progressive info from a third party for the amount of $ XXXX on around XXXX XXXX. The first attempt the scan check and had cash on the desk as if the check was good for cash. Then they ask questions and declined to cash it. Even made a copy of check. The check was in my name and I got it from someone who's wife drafted up the check written in Alabama from XXXX XXXX XXXX The 2nd time I tried to cash the check they ask me to had them the check and envelope because the check wasn't list on banking information for cashing. I could see check resembling my name and check on the computer screen from about 8 ft away. The banker may had cash the check and deleted the information wrongfully. I had an CSID.com to call them and they had no information about my check. I think PNC BANK OF XXXX NC is fraudulent customers of check cash and maybe embezzling people checks.
Company Response:
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: In accordance with the fair credit reporting act this creditor has violated my rights. Under 15-USC-1681 section 602 states I have the right to privacy. 15usc1681 section 604-A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15-USC-1666-B a creditor may not treat a payment on a credit card account under and open and consumer creditplan as late for any purpose.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Hello, my name is XXXX XXXX XXXX I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : PNC BANK XXXXXXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$4400.00} XXXX XXXXXXXX XX/XX/XXXX {$3100.00}
Company Response:
State: NJ
Zip: 07083
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: On or about XX/XX/2023, PNC BANK representatives told XXXX XXXX, that his insurance and property taxes were higher in 2023. When XXXX XXXX learned the falsity of the PNC BANK representatives statements, he filed a complaint against PNC BANK with CFPB. In retaliation against XXXX XXXX, for filing the complaint. PNC BANK retaliated against XXXX XXXX, in that on XX/XX/2023, PNC BANK informed XXXX XXXX that a default letter will issued on XX/XX/2023. PNC Bank 's retaliatory conduct is violative of the ADA 42 U.S. Code Sec. 12203 et seq. XXXX XXXX 's right to not be coerced, intimidated, threatened, or interfered with in the exercise or enjoyment of those rights granted him under the ADA. Without federal oversight and/or enforcement, XXXX XXXX believes PNC BANK through fraudulent and deceptive practices will attempt to steal his families property.
Company Response:
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Trouble during payment process
Subissue: Interest rate
Consumer Complaint: I got a letter from PNC Bank dated XX/XX/2023 stating that they incorrectly quoted my fixed HELOC interest rate at 8.14 % but it should have been 8.0285 % since the beginning of the loan. When I called and spoke to a representative to ask if this rate was applied for the life of the loan which was established on XX/XX/2023, they told me that I got the lower rate. I was also told the lower rate was applied since the loan was established and I had already received a credit for any overcharged interest. However, when I reviewed my XX/XX/2023 statement, it showed that the higher rate of 8.14 % was still in effect for at least 8 days during the prior month of XXXX and it did not show any credit for previously overcharged interest. How can I be assured that they calculated my rate correctly and applied the lower rate to my account for the full duration of my loan? I would like the CFPB to investigate.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Closing on a mortgage
Subissue: Trying to communicate with the company to fix an issue with the loan closing
Consumer Complaint: PNC Bank has repeatedly failed to close an old HELOC and remove the lien on my property, despite numerous assurances since XXXX. It os preventing me from obtaining more advantageous financing from XXXX XXXX
Company Response:
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Delays in the application process
Consumer Complaint: Went to XXXX XXXX. Pa XXXX pnc bank branch with my aunt to apply for a XXXX loan on XX/XX/2023. My aunt came with me to Co sign. Submitted our paperwork to loan officer. XXXX XXXX and she started the application process. Didn't hear from her for a month. She said she was on vacation and then requested more paperwork. We Submitted that to her. Waited a few more weeks and heard nothing. Messaged her multiple times. Finally got a response on. XX/XX/XXXX. She said the loan processor accidently closed the loan and that she had to redo it and submit it again. Also home appraisal came back super low with horrible comps with whatever program they use to get the home appraisals. I told her that I will pay to get a professional appraiser to do the appraisal. She said that it didn't work that way. She said she had to get approval from the underwriters for a professional appraisal. Again messaged her multiple times to see where we are with the process on XX/XX/XXXX and then on XX/XX/XXXX. Again no response. I finally called today the main loan number with pnc bank. They informed me that it was denied due to that my aunt doesn't live at my residence. XXXX XXXX the loan officer should of known that basic information the day we filled out the application. Pnc wasted 2 months of my time. Also she should of called me and told it was denied. Not ignore the calls and messages. Horrible business practice.
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: I had 4 accounts I rarely accessed. They are more or less " holding accounts '' for renter deposits. I am required to have these accounts. I was told at BBVA that there was no management fees associated with the accounts if I set up auto transfers on the accounts between a savings account and a checking account, which I did. I opened the account in XXXX XXXX. I was never informed that PNC was actively purchasing the bank. When my renter moved out in XXXX I tried to access the account to retrieve the funds and was then notified that BBVA was purchased by PNC. I was not told of this during a prior date or at the time of opening the account at BBVA. I went to the local branch to sort out the issue and retrieve my new account numbers. Of the four accounts, they could only locate one crossover account. I was told that the account balance was now $ XXXXI asked for my account closing statement at BBVA and they said they would have to look that up and to come back at another time because they didn't have access to it. They said they would not refund my money, despite never opening or opting into a specific account with management fees at PNC. They drained one account with management fees. They could not provide account numbers for the other three and could not tell me if or why the other three PNC accounts had been closed or where the money in those accounts went. I was then told that nobody else had this issue during the crossover. That I was " mismanaging '' my accounts and it seemed like they thought I was deserving of losing 3 accounts money and the associated history of those accounts and $ XXXX dollars in the one remaining account that they were able to produce a PNC number and account balance for.
Company Response:
State: TX
Zip: 75238
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: In XXXX I found that PNC bank had allowed numerous transactions to occur using an expired debit card. I disputed a number of the transactions, and they initially provided me with a provisional credit. Roughly a month later most of these credits were reversed with no explanation. After several months and calls later I finally got on a call with someone who explained the situation. I pointed out that once a debit/ credit card expires all reoccurring payments must be updated by the customer. The representative told me that PNC bank does not have to follow any federal laws and that as a customer I am bound to their rules, and federal law can not protect me.
Company Response:
State: CO
Zip: 80631
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I did not receive credit card statements for XXXX or XX/XX/XXXX. I was not aware of this until PNC called me in XXXX to say that my cards had been suspended for failure to make payment. I called them and spoke to an employee named XXXX. He said that they had received a bill back from the post office and as a result had not sent more statements. He verified the address which had not been changed. He sent me copies of the missing statements. I immediately paid for purchases I had made excluding any late charges or interest. He told me they could only reverse one charge a year. The {$15.00} late charge was reversed on the XXXX statement. In the meantime and on all subsequent bills late charges and interest charges kept being added. On XX/XX/XXXX I spoke with XXXX XXXX. He agreed that it was not my fault that the post office had returned the mail and that he would escalate the matter and it would be taken care of. The XXXX bill arrived today. I called PNC again. I spoke initially with XXXX and then with a supposed XXXX named XXXX neither of whom could resolve the issue. There are {$69.00} in charges that was assured would be taken care of and have not. They are as follows : {$29.00} late charge ( XX/XX/XXXX stmt ), {$2.00} interest ( XX/XX/XXXX ), {$1.00} interest ( XX/XX/XXXX ), {$1.00} interest ( XX/XX/XXXX ), {$1.00} ( XX/XX/XXXX ), {$15.00} late fee ( XX/XX/XXXX ), {$9.00} interest ( XX/XX/XXXX ), {$8.00} interest ( XX/XX/XXXX ) Total {$69.00}. I have been a customer of PNC or one of its XXXX banks for 30 years. This is unacceptable.
Company Response:
State: IL
Zip: 60089
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A