Date Received: 2019-10-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2019, PNC reported me to collections on an account that was paid in full on XX/XX/2019. I contacted both PNC as well as the collection agency ( then ) XXXX XXXX XXXX to advise the debt was paid in full with receipt. I was promised at that time the debt would be removed with apology. Fast forward to XX/XX/2019, I received a collection notice from XXXX XXXX XXXX for {$370.00}, the same amount paid on XX/XX/2019. I again called PNC as well as the collection agency both again apologized and promised to resolve. My concerns with this is the account should have never been placed for collections at all since it was paid in full prior to PNC electing to place me into collections twice for the same account. I do not trust neither believe in the process of PNC as they have failed to resolve this matter accurately and appropriately. I am seeking assistance and guidance in this matter.
Company Response:
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2019-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-21
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I closed my PNC Bank account on XX/XX/2018 and 2 employees both told me in person that everything was good and my account would close out i didnt need to do anything but a few days ago i get a bill from a debt collector stating i owe XXXX and i never got any letters or anything from pnc which of course she claims she sent many of them. She wouldnt listen to me on the phone and if i owoed money from 2 months before i closed my account why wasnt i notified of this when closing said account? doesnt make any sense to me but it should be employee error not mine. This has been a year ago also so why am i just now being notified after that amount of time, to me its just weird and doesnt make sense
Company Response:
State: MI
Zip: 497XX
Submitted Via: Web
Date Sent: 2019-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-21
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I purchased the vehicle back in XX/XX/XXXX with PNC Bank financing sourced directly through the dealership. I never received an electronic log in or any paper or electronic statements when creating the car note. After making payments on time/early in person or over the phone for ~ 2.5 years, the rep on the phone gave me a one time pin to set up electronic payments to which I set up into the future over 12 months. Subsequently, I purchased a home in XX/XX/XXXX and have been dealing with a large renovation that has displaced me and my family. We have been staying with relatives for the past 6 months. Over the summer, my automatic payments ended as there was no option to set them up indefinitely. I did not notice that the car payments had stopped coming out as I had been occupied with other things like payments going to contractors and they had been automatic for such a long period of time at that point. The last payment ( confirmed this afterward ) was XX/XX/XXXX and I received no phone calls, physical or electronic statements, email notifications or any other attempts to notify me that payment was late or due until on XX/XX/XXXX when I received an alert from XXXX XXXX telling me I had a new 30-day late mark. I had no idea and immediately went down to my local branch and brought the vehicle loan current in full. While there, the branch manager noted that whoever set up my PNC Bank account did not enter in the correct phone number. She also noted that they had received a notification of change of address from the USPS ( I used there mail forwarding service ). I told her that I had not received any communication from the bank during this time and to this date, XX/XX/XXXX, I have never received a monthly statement showing me the balance of my auto loan. I asked the bank if they would remove the 30-day late mark as no attempt was made to contact me to notify me of a past due balance as well as no statement or evidence was provided to me alerting me that I wasn't paying them. They told me I would have to file a complaint and that they would not remove the mark. I also wanted to note that during the time of non-payment, even though I received no communications about the standing of my account, I received emails and physical mail from them asking me to open a HELOC or apply for a credit card. This is evidence that the bank did have a way to contact me.
Company Response:
State: NJ
Zip: 07719
Submitted Via: Web
Date Sent: 2019-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My name is XXXX XXXX and live at XXXX XXXX XXXX XXXX # XXXX, XXXX, OH XXXX My cell # ( XXXX ) XXXX On XX/XX/1940 I was on line and notice that a {$10000.00} was withdraw from my PNC checking account which was sent to XXXX XXXXXXXX XXXX to pay off my account. I did not authorize this transaction. I was never notified that this was being done. Thinking there has to be some kind of mistake because I never authorization any funds to be paid to XXXX XXXX XXXX. Matter of fact, I have bill pay when it's due to make the payment, I am the only one that can do that. I checked with PNC to find out why they sent funds to XXXX XXXXXXXX XXXX. I then found out that my bank had taken whatever funds I had in my checking account and sent it to XXXX XXXX XXXX in the amount of ( {$3700.00} ) - I could not believe that they did that without notifying me. They had no right. First of all, I have never missed a payment and besides that I have bill pay. The payment was not due. I was told that PNC put a on hold on my account and now unable to get any money from my account. I need help now, I have bills to pay, utilities, gas, insurance, doctors, etc. This has never happened to me. Once I get this taken of I will be changing banks What am I to do?
Company Response:
State: OH
Zip: 45459
Submitted Via: Web
Date Sent: 2019-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-18
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/2019 we initially send out 3 payments using PNC Banks Virtual Wallet online Billpay. There was a mix up where we submitted the payments from the incorrect account and so all 3 payments ( for {$3100.00}, {$200.00} and {$150.00} respectively ) were returned. I called their phone channel and spoke an agent who understood and help me out with the initial return fees. He however failed to disclose that the payment would be automatically resubmitted by PNC Bank after I asked if the returns were final. On XX/XX/XXXX I checked my accounts and they were debited a combined {$6600.00}. I resubmitted my mortgage payment separately because I was told that once the payments were returned, that would be the end of it. I called PNC Banks phone channel and was told that there was nothing that could be done until the charges posted even though the payments were resubmitted without my authorization. I contacted PNC Bank once again today and the agent I spoke to told me that there was nothing they could do about the fees and that I was at fault for not manually canceling the payments even though I was never told that I had to do at. Even after I explicitly asked about the returns being finalized. When I contacted PNC Bank the third time I was kept on hold until I had to go into work. I also tried to cancel the payments so that it would not be retried a third time and found that there way not option to do so. This is not my first issue with PNC Banks online billpay either, twice previously I submitted a payment for {$50.00} and instead a payment was submitted for {$500.00} exactly.
Company Response:
State: NJ
Zip: 07631
Submitted Via: Web
Date Sent: 2019-10-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a line of credit in the amount of {$1000.00} with PNC Bank. I am a long standing customer as well as my husband as his business account are with PNC ( was known as National City Bank as well as my accounts as well. A couple of months ago the amount of {$140.00} was used from the line of credit on one of the accounts. I don't know if it was an over draw or what. The bank sent us a bill and I gave it to my husband and he forgot to pay it. It was an oversight. When the bank sent a second notice, he went in and paid it and the account was paid in full and up to date. In the meantime, PNC reported this to XXXX with a statement that my account was suspended and closed. I was so upset. I went into the bank and they were not helpful. Even though it was an oversight and I never had a late payment, they said that I would have to take that up with XXXX which I know can't do anything about it without PNC getting involved. My account is open and active and PNC would not even send an update to XXXX and XXXX to tell them that the account is open and active So now on my credit report this untrue statement will remain for 7 years. I have worked extremely hard to keep my credit rating in good standing and now this is on there and it isn't even true as of XX/XX/2019. I never have had a late payment on anything. I am surprised that they did this and more unhappy that they will do nothing to update this so it doesn't show a closed account on my credit report. I filed a Complaint with XXXX but without PNC cooperating, nothing will happen Hopefull your agency will be able to help me so that I will not have to have this blemish for 7 years on my credit report.. This is not how to treat a long standing customer. Thank you for your time. XXXX XXXX
Company Response:
State: OH
Zip: 44124
Submitted Via: Web
Date Sent: 2019-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I don't understand how this company can get away with stealing my home and nobody seems to care. I spent everyday for 5yrs trying to figure out how to save my home while this company repeatedly tried to forclose without really knowing how or why they wouldn't even acknowledge me or my ownership of the property and home. According to my copy of the paperwork the by far breached their original agreement yet nothing could be done without a lawyer??? They knew I couldn't afford counsel as I had requested hardship packets and tried repeatedly to enlist the help of " Keep Your Home California. '' Finally they went ahead and foreclosed and I lost my home, property, and the easement I owned ( when the loan was actually only for the mobile on the Already Paid For Property ) After complaining several times to CFPB they finally decided to try to pay me off by offering me {$15000.00} to withdraw my complaint. Homeless and desperate I agreed to take {$25000.00} if they could get it to me within 30 days so I wouldn't be homeless anymore and they agreed. Needless to say they took at least that 30 days to write up the agreement which was then mailed to me to sign and mailed back, but again they defaulted on that 30 day agreement making the loss of my home and the degree of suffering they had impossed on me that much worse and now they think they can just walk away from this incredible injustice? For starters I don't even believe they had a right to claim any lein on my home!!! I don't believe they had correct paperwork, and think they were lying about the amount they said I owed. I believe that when my mother in law passed away they created forged paperwork which they convinced my companion were real, and when he passed away they just took my home as the original loan was for {$50000.00} in XX/XX/XXXXand in XX/XX/XXXX ( 12yrs later ) they claimed I still owed {$42000.00}??? The way this company treated me and the amount of stress and sorrow they made me endure is beyond reasonable and I don't believe they should get away with it!!! They have ruined my life and taken everything that meant anything to me all for money and it's unexceptable that this can go on without ever even having to acknowledge they've done anything wrong!!! I believe these people knew exactly what they were doing the whole time and yet nothing could be done about it because I couldn't afford legal council??? It should unconstitutional to let company 's do whatever they want, treat people however they want to, and take everything they can from anyone they want simply because they have more money ... Or because we don't have the money to defend ourselves!!!
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-16
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/XXXX, I, XXXX XXXX received yet another telephone call from PNC Bank regarding an Student Spend Account that was opened for my son when he was approximately XXXX-years-old. Once my son turned XXXX-years-old, he and I both visited the PNC Branch located at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. My son ( XXXX ) and I, XXXX XXXX completed the required documents presented to us by the PNC Bank representative to close the Spend/Student Account and to Remove my name ( XXXX XXXX ) from the account. We left the PNC Bank thinking that the Account had in fact been closed after both, my son and I signed all the documents presented to us. This attempt to closed the account occurred approximately one and a half ( 1 1/2 ) years ago in the earlier part of XXXX. The account was never closed, and PNC Bank continues to harass me, XXXX XXXX, when my son overdrafts this account that should have been closed almost 2 solid years ago. Initially PNC indicated that the Student Account would not accrue late fees. Currently, the account is nearly {$600.00} over drafted due to late fees and all sorts of other charges. I have made multiple visits to PNC Bank and I have talked to PNC Bank Managers, and all PNC Bank Representative continually tell me that both I and my son need to visit the Bank a second time because the PNC Bank Representative that initially process the paperwork to Remove my name from the Account misplaced the documents. This is nothing more that a ruse for PNC Bank to illegally charge my son Overdraft fees. Opposed to closing the account, PNC allows the account to stay open simply to collect illegal overdraft fees. Please assist me in closing the Student Account and get me name Removed once and for all from my son 's Student " Spend '' Bank Account that was not supposed to be charged any late fees. Sincerely, XXXX XXXX. XXXX
Company Response:
State: NJ
Zip: 08081
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-16
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I changed a flight with XXXX XXXX on XX/XX/2019. I was charged {$150.00} dollars as a change fee, and have a receipt for this. On the same day I was charged {$200.00} by XXXX. There was no receipt, and I could not find any reason for this charge. I called XXXX XXXX, and they had no charge under my name, or my ticket confirmation, other than the {$150.00}. The {$200.00} charge was not coming up, and they told me to dispute it with my bank. I disputed the claim with my bank PNC and on XX/XX/2019 received a letter saying my claim has been denied. I then called PNC bank to talk to them about my claim, and to request documentation that they relied on in making the decision. No one could point me in the right direction. I spoke to at least 4 people, in several different departments. I was given a number to call, but upon speaking to someone in that department, they told me to go back and talk to the department I was just speaking to! That department then gave me the same number I had originally called! None of their employees could help me whatsoever. This was extremely frustrating, as all I wanted was to request documentation, as the claim denial said I had a right to. Yet there was no easy number to call, no department listed to address my concerns to. Eventually I was able to get in touch with a supervisor in their main office. She was able to help me resubmit a claim and to request for more information. However, she still was not able to see why my claim had been denied. Several days later I received my the documentation I requested. XXXX XXXX sent information detailing the charges. The Merchant Response wrote " The received dispute for the transaction date XX/XX/2019 of XXXX is invalid. '' However, they also wrote " Reversal is requested as cardholder has been charged twice for two different passengers. '' I was being charged for someone else 's ticket! XXXX even says reversal is requested! How could PNC not take this into consideration? The other ticket was not an individual I know, and obviously must have been some computer glitch. I feel that PNC has not looked into this matter thoroughly enough, nor have they made it easily accessible to get information which I have a right to. Long Story short : XXXX XXXX incorrectly charged me for someone else 's ticket change. When I disputed it with PNC, they denied my claim. Customer service with both companies was atrocious.
Company Response:
State: OR
Zip: 97330
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am a XXXX XXXX XXXX Veteran who receives VA compensation and SSDI benefits. I first learned of a civil default judgment against me by my Homeowners Association ( XXXX XXXX XXXX XXXX ). I was never served or notified of the hearing. However, around XX/XX/XXXX, I realized my bank accounts were frozen and more than $ 50K was held with respect to default judgement. I filed a claim for exemption ( XXXX ) and the hearing was held with Judge XXXX XXXX XXXX on Thursday, XX/XX/XXXX. The Judge ruled that my funds at PNC bank are exempt and that the holds on my accounts be removed. I took a copy of the order to the bank on Friday, XX/XX/XXXX. On Tuesday, XX/XX/XXXX, an order was faxed to XXXX XXXX of PNC Garnishment once again requesting removal of the holds on my accounts. On Wednesday, XX/XX/XXXX, the holds on my account are still in place. In addition, I received my SSDI direct deposit benefit which is also frozen despite the Judges order that the funds be released. I want XXXX XXXX and the PNC garnish department to be forced to comply with the Judges order. Anyone can look up the Civil Case ( XXXX ) and it states the Judge ruled the funds are exempt from garnishment on XX/XX/XXXX but, now, nearly a week later funds are still frozen, defying the Judges order.
Company Response:
State: PA
Zip: 17110
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A