Date Received: 2019-10-30
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I purchased a pair of shoes online. When I received the shoes, it was very clear that they were not the name brand they were labeled. They name tag was altered and a different color. The size did not match the label. I tried to contact the seller and they would not respond to my requests. I then contacted PNC and reported fraud. The case has been cancelled for pretend reasons multiple times. There have been at least 3 follow ups demanding more written information. Finally, in a letter dated XX/XX/16 PNC is demanding that I prove the shoes were not a legitimate name brand and " provide documentation from the real entity that indicates that the merchandise is counterfeit. Include the name of the entity providing the notification and validation that the entity is qualified to provide the notification. '' This is nothing more then yet another reason for PNC to cancel my claim and act in bad faith.
Company Response:
State: TN
Zip: 371XX
Submitted Via: Web
Date Sent: 2019-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2019-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-29
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/XXXX PNC bank withdrew {$340.00} from my checking account over a card dispute which was resolved. They took this money with no warning and pushed my account negative {$42.00} I have had three charges for less than {$20.00} each come through all of which caused and overdraft fee of {$36.00} each. I contacted PNC on XX/XX/XXXX as soon as I realized my account was negative and asked why they are allowed to withdraw money with no prior warning the response paraphrased was we are sending you a letter in the next 5 to 10 business days to inform you of this. I have just changed jobs and was depending on the money I earned to support my family and pay Bill 's I did not plan on giving PNC any of it. If I lost a despite then fine however a bank should not be allowed to withdraw money without and advance warming to the account holder
Company Response:
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2019-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that PNC BANK has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2019-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a equity loan/2nd mortgage with PNC. My monthly minimum payment is {$290.00} and change and due on the XXXX of the month. I send them {$80.00} a week however, they are not applying The entire payment to the monthly minimum. This has been going on for a few months. This month I have paid {$80.00} on XX/XX/XXXX, {$80.00} on XXXX, {$80.00} on XX/XX/XXXX and {$80.00} on XX/XX/XXXX. That is a total of {$320.00} yet they say I still owe {$110.00} for the payment that was due XX/XX/XXXX. This has been going on since XXXX or before and I am now receiving collection calls
Company Response:
State: DE
Zip: 197XX
Submitted Via: Web
Date Sent: 2019-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: As of XX/XX/XXXX, PNC Bank is still reporting my home equity line of credit as " Modified '' to the 3 major credit bureaus, despite the fact that PNC Bank refused to modify it in XXXX or XX/XX/XXXX. In XX/XX/XXXX, I I entered into a trial plan agreement to temporarily lower the interest rate with the hope of getting a permanent modification, where PNC Bank would lower the interest rate and put the remaining past due balance into a new amortization schedule, that would lower all of my future payments on the loan. I made all 3 trial plan payments as scheduled in XXXX and continued to make payments after that. I provided all of the documentation that PNC Bank requested. In late XXXX or early XXXX, someone from PNC Bank called and told me that my permanent loan modification request was denied because " I had insufficient income in relation to my financial obligations ''. I said that is not true, and even if it was true, the loan modification would help me meet my financial obligations. PNC refused to change its decision. On XX/XX/XXXX I made an arrangement to pay the past due balance of {$920.00}. Payments for {$460.00} and {$460.00} cleared my bank on XX/XX/XXXX and XX/XX/XXXX, respectively. It is like adding insult to injury, and is very misleading that PNC Bank is still reporting the loan as modified. I had tried several times to get PNC to remove " Loan Modified '' from what it reports to the credit bureaus, but PNC refused to do it. I called PNC on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I talked to XXXX XXXX in the Retail Escalations Group at ( XXXX ) XXXX, XXXX ( XXXX ) XXXX on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX said that Ms. XXXX mailed a copy of the loan modification agreement, the denial letter, and my XXXX account history to me ; however, as of XX/XX/XXXX, I have not received them. Ms. XXXX also told me that my only recourse to the false reporting is to file disputes with the credit bureaus - That is something that I have already been doing, through a third party credit repair company, without success. See the attached PDF that has the temporary agreement to lower the interest rate, on of the credit bureau reports that shows " Loan Modified '', and bank statements that shows my payments to PNC Bank. PNC Bank is not fulfilling its obligation to help borrowers who ask for assistance. Although I am current in paying on this loan now, I do not want lies on my credit reports.
Company Response:
State: MD
Zip: 20705
Submitted Via: Web
Date Sent: 2019-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-24
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was contacted by XXXX in regards to a job with XXXX XXXX on XX/XX/XXXX. These people pursued to offer me a position and send me a " bonus '' check on XX/XX/XXXX. Through my PNC Application, I uploaded pictures of this check and PNC accepted the mobile deposit. I waited the appropriate timeline per our customer agreement for PNC to clear the funds and release the funds into my account prior to making any transactions. I made two separate transactions several days after PNC released the funds, at this time the check had been deposited into my account. A few days later, PNC withdrew the check from my account claiming insufficient funds, as a result of a fraudulent check from the aforementioned XXXX XXXX, causing my account to be overdrawn. When I became aware of this, I immediately went into the PNC on XX/XX/XXXX, to discuss the issue and the overdraft. During the discussions, I was told that PNC was going to open two disputes within PNC in regards to the fraudulent checks. I asked to dispute the fraudulent check and asked why PNC would release funds into my account without verifying the funding source. I also inquired about why PNC would allow transfers out of my account without verifying I had those funds in my account as well. I was also told that PNC would defer my overdraft fees at least 30 days after this was resolved and they had lied to me about this and started charging me the day they denied the disputes on their end. PNC has informed me on XX/XX/XXXX that my disputes were denied, however my disputes were filed within XXXX, regarding the transfers out of my account. There were no disputes placed on PNC for the Fraudulent check and PNC 's verification process behind transfers in or out of my account. Today, XX/XX/XXXX, I called a number given to me on the dispute to obtain documentation regarding the resolution. The lady from PNC told me that there were no documents and also that there was no way to dispute Fraudulent checks within PNC. Since there is no formal dispute for Fraud, she offered to leave a note from a supervisor to contact me. I have also contacted the FBI and my local police department in regards to this situation. Ultimately, my issue lies with PNC not performing internal controls around customer deposit accounts or performing due diligence for checks coming in from financial institutions or performing due diligence/settlement procedures for customer deposit accounts prior to funds release. The financial institution 's lack of controls and due diligence facilitate and enable fraudulent behavior and allow malicious agents to continue to defraud consumers while PNC profits from their deficiencies and the bad actors via assessments of overdraft fees.
Company Response:
State: PA
Zip: 18940
Submitted Via: Web
Date Sent: 2019-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-23
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Our complaint is with PNC home mortgage loan department, specifically with XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX based out of IL and possibly Michigan from the phone numbers. We were referred to work with XXXX XXXX through our local PNC branch on XXXX of 2019. Initially everything was going smoothly and our credit report was ran and we received a preliminary pre approval, then wanted to get a final approval so that we could start looking for a home in a decent price range and were left with no answers from the senior loan office XXXX XXXX. We left messages sent emails with no response and it wasnt until we were able to connect with our local branch and speak with an employee there who the reached out to her supervisor and magically got a hold of XXXX XXXX. Upon speaking with XXXX XXXX we were told we could begin searching for our home and could use our preliminary pre approval to do so. We found a home rather quickly which then began the nightmare of working with this individual and everyone who we were told to contact for assistance and loan processing. We put in an offer on the home and it was accepted the same day and were told by XXXX XXXX that everything was good to go for a closing date of XX/XX/XXXX and even receive paperwork with this date so adjust our work schedules accordingly. Upon the acceptance of our offer and moving forward it has been nothing but XXXX. We receive emails for the request of further information needed and we left hanging with no phone calls from the lender to discuss this and when we call and leave multiple messages to the point where mailboxes are full, no calls are returned. When a call is returned it is always that more information is needed or that a mistake was made on the lenders end so we need to move the closing date out further. XXXX XXXX is the manager for XXXX XXXX, also never returns calls or emails, but XXXX admitted that a XXXX dropped the ball at one point in the process and it delayed things. Then XXXX admitted hat she submitted the wrong employment dates to the IRS and this is causing another delay. This individual has made this experience of home buying a toto also nightmare and disaster. Our realtor has reached out several time to our lender and left several messages with responses that are truly unexplainable from XXXX XXXX. Since every call is recorded I would love for someone to investigate what exactly is going on with our mortgage loan because this is unheard of. I have emails Ive send to everyone who is working on this loan and no reply. Purchasing a home should no be more than 30 days, when investigates you will find that this process has gone on for well over that and we still have yet to receive a final answer and are expecting our XXXX child in XXXX.
Company Response:
State: PA
Zip: 175XX
Submitted Via: Web
Date Sent: 2019-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-23
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: PNC Cash Rewards Visa Signature Credit Card from PNC Bank : I got an offer from PNC Bank to apply for the card. My personal reservation number was XXXX. The promotional terms were : If approved, you will earn a {$150.00} monetary credit on your statement after you have made {$1000.00} in purchases during the first " 3 billing cycles '' following account opening. The first billing statement I got was mid XXXX. The third billing statement was in XX/XX/2019. I made the required {$1000.00} purchases before the end of XX/XX/2019. PNC bank did NOT generate any billing statement in XX/XX/2019, either online or by mail. Now they are saying I was supposed to make the purchases within 90 days of account opening, not 3 billing cycles. This is not the offer was, where they said within 3 billing cycles the purchase of {$1000.00} needed to happen. I never received that {$150.00} promotional credit and I was told by their rep on XX/XX/2019 that I will not get the credit as I did not make the purchases within 90 days. Please refer to the attached screenshots for what the offer said during account opening.
Company Response:
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2019-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-23
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: XX/XX/XXXX notified PNC via Branch Mgr ( XXXX ) fraud ( to this date no response frm Fraud dept ) XX/XX/XXXX@ XXXX PNC Collection Dept calls me. XXXX states transactions agrees Fraud activities and to call Overdraft Dept its not a Collections issue but Fraud or Overdraft. XX/XX/XXXX informed same Branch proof I filed Fraud on PNC acct for XXXX PD. I was informed no documents are available. I was then inform that a dispute for each transaction was required. On XX/XX/XXXXBranch Mgr never informed me of that process. Now on this date my accounts are closed no access! XX/XX/XXXX received letter of Collection from XXXX ( note : she did call me..and I /called back left a msg apologized as I was short tempered ) DRU P5 PCLC 01 J I'm baffled! And the cedit/charges to the account {$2000.00} spent at XXXX 's in a single day with transaction 's differ by 2cents. No Communications from Fraud Dept.
Company Response:
State: GA
Zip: 30310
Submitted Via: Web
Date Sent: 2019-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A