Date Received: 2019-11-30
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: This is a follow up on Consumer Financial Protection Bureau Case XXXX-XXXX. PNC has refused to cooperate and remove my incorrectly reported information to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, stating that it will fall off in 5 years from the date of being reported. PNC recorded a phone call between myself and the agent XXXX XXXX from Executive Client Services on the dates XX/XX/XXXX and XX/XX/XXXX. The CFPB and Federal Trade Commission both have my full permission to obtain the recorded phone call from PNC to verify the information being reported. PNC has feigned ignorance in an attempt not to acknowledge the billing error and asked me to find where on the XXXX billing statement is the reported error. This is a fallacious request because they are asking me to find missing information on the statement that PNC has failed to report. Multiple times, in person and over email with multiple supervisors, I provided verification from the airline XXXX XXXX of the flight dates, the purchase dates and amounts of the purchase. XXXX reports different billing amounts of the flight purchase which were processed on different days. XXXX acknowledged that she saw that there are two different prices. However, then continued to state that the charge posted later in the week and that doesn't make sense because a different amount of money was charged. XXXX reports that their records do not show a second transaction, and yes this is true and it is why this entire problem exists. PNC is not reporting the second charge on my old billing statements as that would prove their error. This is a willful violation that must be assumed to be fallacious and may evince PNC 's willful violation to ignore my protected rights, as described by the FCRA, FCBA, The Truth In Lending act, i.e., 15 U.S.C. 1681 et seq. I paid {$1100.00} on XX/XX/XXXX to XXXX and was charged again in XXXX for a different amount, {$1100.00}. PNC acknowledges this and refuses to admit there is an error that is on the billing statements they have produced and refuses to clear my damaged credit. PNC also refuses pay the continuous overdraft fees in the amount of {$710.00} which they used to steal my funds from my account in XXXX to cover those unauthorized charges. Attached is the proof of the two billing amounts, from XXXX and PNC which were charged on two different dates for this following flight. Itinerary # XXXX Ticket # XXXX Please return my funds which were stolen from my account to pay for the fraudulent overdraft charges, and the money that was spent on credit repair services, all of which were listed in my complaint on XX/XX/XXXX. I am XXXX with the IRS and have a XXXX through XXXX for Anti Money Laundering - Fraud - Beneficial Ownership and Customer Due Diligence. I can say without a doubt that this is fraud. PNC has been provided the allowed time mandated by law to complete their investigation. In spite of evidence produced, PNC refuses to remove the spend account from XXXX XXXX XXXX and claims there was no bank error and refuses to reimburse me in the amount of {$710.00} - from overdraft fees charged to my checking account. PNC is not acknowledging a bank error, however they have the waived the full balance owed in the amount of {$1500.00} and reported it to XXXX as settled in full. Evidence has been attached to this complaint with the invoice of the correct purchase amount and is dated XX/XX/XXXX, not what PNC has reported on the billing statements. The original complaint on XX/XX/XXXX provides the billing cycles where PNC has willfully charged and credited my checking account multiple times causing {$710.00} in overdraft fees. I was told by PNC years ago in XXXX that this issue was resolved and only made aware that the false information reported about me still existed by being denied on an application to open a checking account at another bank. The denial from XXXX is attached too. Please feel free to contact me directly at my cell phone immediately if there are any questions. Regards, XXXX XXXX
Company Response:
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2019-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2019, XX/XX/2019 and XX/XX/2019 PNC Bank run a credit check more than once after issuing me a secured credit card. I followed through promptly with the bank but nobody issued me a solution or try fix this.
Company Response:
State: PA
Zip: 17552
Submitted Via: Web
Date Sent: 2019-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX entered into loss mitigation program with PNC Mortgage XX/XX/XXXX partial payment was returned. When I asked why they had no idea! I tore up the returned check and they reapplied it to my account. XXXX XXXX completed loss mitigation program with no late or incomplete payments. XX/XX/XXXX I contacted PNC to be sure that I should only pay normal monthly mortgage payment. I was informed that I still owed {$2800.00} in fees but have the rest of the life of the loan to pay these and to only pay normal payment. I did go ahead and send a check for half of the amount of the fees ( {$1400.00} ) dated XX/XX/XXXX marked to be applied to the fees. Check was cashed by them on XX/XX/XXXX however, the money was never applied to the fees XX/XX/XXXX found out that my credit report erroneously reflects that I have several late payments XX/XX/XXXX contacted PNC to have them remove the erroneous reports but they refused even though they show that my payments were on time.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-27
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: For the last three years, I have been trying to open up an account at PNC Bank but they have repeatedly refused and never told me why. They always tell me to call XXXX XXXX XXXX, which refuses to provide even a general reason for why I am unable to open accounts.
Company Response:
State: OH
Zip: 44146
Submitted Via: Web
Date Sent: 2019-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-27
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I originally took out private student loans through PNC for my XXXX degree at XXXX XXXX University. I was a XXXX XXXX XXXX at XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. I then took out federal loans for XXXX XXXXl. I was a XXXX XXXX XXXX at XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. The problems with my loans arise from the private student loans provided by PNC. PNC uses the service provider XXXX. ( My loans from PNC, now totaling {$130000.00}, have an average interest rate of 8.19 % and they have accrued an additional {$60000.00} in interest. My current monthly installment for my XXXX loans is over {$1300.00}. ) ( My federal loans have an interest rate of 6 % totaling around {$220000.00}. My current monthly payment for XXXX XXXX is over {$2500.00}. ) After I finished XXXX XXXX in XX/XX/XXXX, I studied for the XXXX XXXX, which was administered XX/XX/XXXX and XXXX. I did not receive my XXXX results until XX/XX/XXXX. I did not find employment until early XXXX. After being a XXXX XXXX XXXX for seven ( 7 ) years, I expected a six ( 6 ) month grace period upon graduation. Unbeknownst to me, in XXXX while I was a XXXX XXXX XXXX attending XXXX XXXX, PNC applied my six ( 6 ) month grace period. The grace period ended in XX/XX/XXXX. PNC then automatically applied an in-school deferment. Apparently, my deferment ended in XX/XX/XXXX. PNC then received a late in-school deferment for XXXX and XXXX. About one ( 1 ) month after graduating, XXXX demanded I pay over {$600.00}. I spoke to XXXX to figure out why I was not granted a grace period. XXXX informed me that my grace period was applied in XXXX while I was a student. XXXX then stated there was nothing they could do about the improper application of my grace period and again demanded payment. To avoid paying ( due to my lack of income and busy study schedule ), I asked XXXX my options. I was told I could apply for a Temporary Hardship Forbearance, which would postpone my payments for two ( 2 ) months. I was informed I could continue to file temporary hardships every two ( 2 ) months for up to one ( 1 ) year. When I tried to file another temporary hardship, XXXX informed me that I was limited to only one ( 1 ) temporary hardship. I informed the XXXX Representative that I was previously told I could file one every two ( 2 ) months for one ( 1 ) year. The XXXX Rep said that was incorrect and demanded payment. Over the next couple months, XXXX continuously gave me false information about my loans and my repayment. Also, in XXXX, XXXX told my co-signer that they would mail a " Life Changing Event Application '' to postpone my payments. We have never received an application. While trying to figure out what exactly was going on with my loans, I acquired late fees. Multiple times, I've tried talking to both XXXX and PNC to remove my late fees. Both entities have told me to contact the other. They will not lower my interest rate nor extend my payment schedule. I can not afford my payments and I refuse to pay late fees for XXXX and PNC 's mistake. If XXXX did not provide incorrect information for five ( 5 ) months from XXXX to XXXX, I could have avoided late fees. I have been trying to review my call logs and notes from the Representatives of both PNC and XXXX. I want to obtain this information to show PNC that I have been in contact with both entities and to show where XXXX led me astray and why I missed payments, in hopes PNC will remove the late fees. Each entity has stated that I need a court order for that information. XXXX and PNC then explained it was my responsibility to keep record of each and every phone call and each Representative I speak to. However, each phone call with XXXX and PNC began with a Representative stating that the call would be monitored, I did not know that I would not have access to my own phone recordings or notes written in my account.
Company Response:
State: PA
Zip: 177XX
Submitted Via: Web
Date Sent: 2019-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-26
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I need help with PNC, I called to ask for the fees to be removed. I was asking for them to remove 70 % of the fees, and I would pay the rest. I don't want to be owing to the bank, they closed my last account and this is the only account I have left. The fees are way too high.
Company Response:
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2019-11-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2019 my friend 's XXXX with the username : XXXX was hacked into. On their story was a screenshot of a PNC bank virtual wallet account that read " Who has a PNC account and wants to make money today? ". I then gave them my login to my online banking. They would send in {$1000.00} twice and have me send it out in the end I was promised {$3000.00}. The first {$1000.00} was sent on XXXX to $ XXXX, the second {$1000.00} was sent on XXXX to XXXX XXXX.
Company Response:
State: PA
Zip: 153XX
Submitted Via: Web
Date Sent: 2019-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-22
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I bought a car in XX/XX/XXXX. I made my first payment for the exact amount due in XXXX of XXXX. After that I made a payment before the due date in person with the teller. I paid an additional {$30.00} the next month and asked the additional amount to be applied to the principal. Fast forward to XXXX of XXXX when I paid an additional {$1500.00} toward the principal and that is when I realized the bank was not applying my payment correctly ( toward the principal balance as requested ). I was told to leave the bank and I was given an 800 number to call and ask to have each payment applied as I wished. That process started in XXXX of XXXX and that phone call lasted over an hour. At that time I requested a payment history of my account and was told it would be mailed. That request was never received. In XXXX I walked into the bank and paid an additional {$530.00} above my normal payment and again requested the difference to be applied to principal. After the same happened in XX/XX/XXXX I asked someone in the branch to call the servicing Dept. At that point I asked again for the payment history. It was finally mailed XX/XX/XXXX showing next payment due date of XX/XX/XXXX ( 2 months in advance ) In XXXX I made another {$1500.00} payment toward principal. At that point I was tired of the extra hassle of trying to pay extra on my loan that I asked for a payoff. When I was given the payoff amount it didnt reflect all of the extra payments I had been making. I was repeatedly told the extra payments were being applied to future payments. When I questioned this amount I was told it would take up to 14 business days to get back. At this point Im going to pay off this loan and will take them to court to get my extra payments and over payment on the interest I was charged. Terrible service
Company Response:
State: NC
Zip: 28270
Submitted Via: Web
Date Sent: 2019-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-21
Issue: Getting the loan
Subissue:
Consumer Complaint: Last XX/XX/XXXX I responded to a voicemail saying I was approved of {$5000.00} personal loan. When I called a certain XXXX told me that my credit score is low so I have to pay {$200.00} to have the loan approved and ask me to buy a XXXX XXXX debit prepaid card and load it with {$200.00}. After giving her the details of the card she again asked me to get another card and load it with {$360.00} for the processing fee and after again doing so she told me that they can't deposit the money to my account for some reason and told me that they will send the money through XXXX XXXX so I have to get a third prepaid card loaded with {$200.00} for the fees to pay XXXX XXXX so I can get the money that same day. XXXX then told me that she will call me back to give the ID number for the money transfer but she never called back. I tried everyday to callnher but they don ' t answer the phone anymore and sometimes they just hang up the phone. The last call I made acfertain XXXX XXXX answered and said that XXXX is not available. He said he is the general manager and I ask him to cancel my loan application sng just give me a refund the he told me to call back at XXXX XXXX but again they won't answer the phone anymore up to this time.
Company Response:
State: CA
Zip: 91950
Submitted Via: Web
Date Sent: 2019-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-21
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: i had many issues with my old account being compromised. The last time the PNC bank called me telling me that i needed to go personally to a branch. We opened a new account and the old one decided to leave it open just in case my job and social security administration would deposit the money on the old account, the account had a hold. I would say in XXXX ( cant remember well ) called the fraud department so they can have removed the hold and transfer a balance that I had in my old account so I could close the old account. For my surprised, the person that I spoke with from the fraud department, told me that there was an overdraft of {$220.00}, which I dont understand why is that, when I was having a balance by that time. I went to another branch of pnc to close the old account, the person that I spoke with told me that it was not possible to close the account because of the hold on that old account, but said he would call ( Im not sure where ) to remove the hold so we can close that account and he was going to call me back. Never received the call..for my surprise, the bank transfer over {$200.00} from my new account to old account that had and overdraft ( which shouldnt be any in the first place ). My experience with PNC has been a disaster, not only my old account was comprised many times, my sons, my mothers account, but transfers funds from my new account to and overdraft that again, should have any, and on top of that, I have spoken to a person from the escalations department from PNC and they dont even cant figure out what happened on that account, told me was going to call me and yet im waiting. Im disputing the {$200.00} that was transfer from my active account. If this is not resolved, im willing to contact a lawyer. I dont feel at ease having my money with this bank. One day I have money and the next day my new account is in danger to be overdraft because of the old account? And then the application is showing the {$200.00} back again in my account and in a matter of minutes the money disappears again. Its ridiculous. I have spent hours ( during work ) on the phone trying to get this resolved.
Company Response:
State: NJ
Zip: 07013
Submitted Via: Web
Date Sent: 2019-11-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A