Date Received: 2019-07-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I previously submitted a complaint regarding this account, several times. I stated that I was a victim of identity theft. I saw in PNC 's response that I did not report the incident until XXXX XXXX. That was because I did not see the item on my credit report until then. I have been trying to dispute this ever since. There is also a statement made that my wife, XXXX XXXX verified information regarding this account, which is invalid as well, as her identity was stolen during this same time. So whomever it was that stole our identity apparently had her information as well to verify this account. Of course whoever the individuals were, they did not want to lose the account or jeopardize the account so it is quite possible there was a male and female to follow up. Nor I or my wife have ever called on this account. Also the statement regarding my mailing address of XXXX XXXX XXXX. Yes I lived there and obviously people who steal your identity steal your address, social security numnber and other identifying documents that try to prove they are the indvidual or individuals of the identity they have stolen. I never consented to or walked into a PNC BANK to apply for any account. I believe this application was submitted online. Unless you have my original wet signature proving that I authorized you to run my credit, and that I approved or consented to an account or physically walked into a bank, if there is one this account needs to be removed immediately. This negative account has been hindering my credit for years now, to where I can not apply for any other financial services or matters. Currently, your company is in violation of Section 813 Civil liability ( 15.U.S.C. 1692K ) ( a ), of the FDCPA. Section 616. Civil liability for willful non-compliance ( 15.U.S.C 1681n ) ( a ) of the FCRA. Section 617. Civil liability for negligent non compliance ( 15.U.S. C 1681o ) of the FCRA. This matter needs to be resolved or I will be contacting the FTC, my local attorney and the credit bureaus.
Company Response:
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2019-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-02
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: XX/XX/2019 I filed some disputes for XXXX XXXX XXXX on devices I didnt receive, I explained my situation to PNC bank about this and field the dispute, pnc does not any to help and told me to deal with XXXX XXXX XXXX and get my money back its like I just gave XXXX XXXX XXXX free money, I explained to pnc that Ive already went through XXXX XXXX XXXX and nobody wanted to help and I did file other disputes but this bank is just that bad I trusted pnc to get my money back but I was denied and bad customer service, I would not recommend this bank or smart access card to anyone, I have tried to resolve this this but I cant thats why I filing this complaint, one was for XXXX dollars the other was for XXXX dollars and the other ones for XXXX and XXXX, this bank does not want to help the customer and I was told cant help you please resolve this before I file a XXXX XXXX XXXX complaint
Company Response:
State: GA
Zip: 30141
Submitted Via: Web
Date Sent: 2019-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I made a settlement agreement with PNC BANK to pay what I still owed for my car loan, They agreed a settlement payment of {$4000.00} dollars, I paid the whole amount, they sent me the settlement letter and when I paid they also sent me the letter of XXXX dollar balance,, but in the 3 bureaus the account is still open and with a balance of {$2300.00}, they reported my payment of {$4000.00} dollars like a regular payment and not like a settlement, so the account is on my credit report with a balance when it have to be with XXXX balance and closed.I called them and they told me that Im the one who has to make the diligence to update my credit, that they do not have to report it to the credit bureaus, later they reported the payment like a regular payment and not like a settlement I called them again and they told me to make a claim in writing.
Company Response:
State: FL
Zip: 33612
Submitted Via: Web
Date Sent: 2019-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: received a notice that our payment was going up {$400.00} in may. When we called on XX/XX/XXXX ( we had our wedding planned, so didn't do anything until XXXX ) we were told that they did not pay our home owners for XXXX. When we investigated this they said they paid out the remaining escrow account and applied the difference we were continuing to pay to the principle, and not escrow acct. When we asked why we were not notified they stated we sent a letter. Now they state that our payment is going up as they have done a new assessment that includes home owners, and they need to refill the escrow acct. They states that they did not pay the home owners for XXXX because it was in husbands name only, and mortgage is in my name. We asked for a payment history so we could verify that the payments we sent were received and that they had put payment in the incorrect spot.This was verified by their payment history. we also saw that they did pay the home owners for last year, even thought they said they did not, and they didn't place the correct amount of money in the escrow acct for the year. Now they are saying we need to pay the difference since they misapplied the payments.They are also sending back our payments stating that we have not paid they appropriate amount, even though our payment history is equivalent with our mortgage paperwork.
Company Response:
State: AZ
Zip: 85308
Submitted Via: Web
Date Sent: 2019-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-01
Issue: Other transaction problem
Subissue:
Consumer Complaint: FRAUD SCAM BY PNC CUSTOMER. Inadequate action by PNC. I have been defrauded of {$62000.00} by PNC customer. PNC has not responded to Recall of funds by XXXX XX/XX/XXXX, XXXX fraudster had an account at PNC and, it appears, had not been verified before opening the account. XXXX recalled the money on XX/XX/2019. Facts : On XX/XX/2019, after a fraudulent scam email request from someone impersonating my brother, I transferred {$62000.00} to pay a bill for my brother who sent me PNC bank account details for deposit. On XX/XX/XXXX I realized that it was a scam. XXXX issued a Recall of the money to PNC, XXXX XXXX XXXX XXXX. I reported the scam to the police XXXX XXXX. Police told me PNC may have been aware that the account was being used for fraudulent purposes.The bank draft for {$62000.00}, was sent on XX/XX/XXXX to : XXXX XXXX, Account No : XXXX, XXXX : XXXX, PNC Bank. My questions : Was the money in the scammers account when PNC received the Recall instruction from XXXX on XX/XX/XXXX? Did PNC have suspicions that the account was being used for fraudulent purposes? Did PNC verify identity of account holder? If suspicions about use of account, were appropriate safeguards taken? PNC has not acted to protect consumers and has allowed itself to be used for fraudulent purposes through negligence and lack of adherence to protective protocols in the banking industry.
Company Response:
State: NY
Zip: 10023
Submitted Via: Web
Date Sent: 2019-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I opened a new account with XXXX/XXXX XXXX earlier this month. Mistakes were made and I believe they charged my Visa account incorrectly. We have two charges, one for a valid payment on account and another unauthorized charge that XXXX will not take responsibility for. They want me to declare it as fraudulent to my bank. That would require notifying several merchants that we do business with of the new card number to be issued. I am not prepared to concede that it is fraud, but an error on XXXX 's part. The charge lines are for two different merchant accounts, it appears. One is XXXX OH, the other is XXXX TX. I would like contact info for each or at least the TX merchant to allow me to straighten this out, hopefully without going through closing my account and opening a new one. XXXX and PNC Bank customer service reps are not being as helpful as I had hoped. Can you help with this? Charges made XX/XX/2019 XXXX XXXX OH for XXXX ok XX/XX/2019 XXXX XXXX XXXX TX for XXXX Wrong
Company Response:
State: OH
Zip: 45414
Submitted Via: Web
Date Sent: 2019-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was a victim of ID theft and prior to putting a freeze with the credit bureaus someone attempted to use my information to try to obtain credit under my name with several financial institutions.
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2019-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I XXXX XXXX ; XXXX am writing you today as an aggrieved man. I notified PNC Bank of unauthorized transactions on my account a week ago. I have yet to receive my stolen funds back into my account! The claim number is as follows, XXXX. I have also attached a letter from XXXX XXXX, one of the accounts that fraudulently stole funds from my account stating this account is fraudulent. They have closed the account and removed it from my credit reports. So why did PNC Bank deny my claim? Why are they not returning my stolen funds?
Company Response:
State: NJ
Zip: 08043
Submitted Via: Web
Date Sent: 2019-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-27
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: Disputed PNC account that is showing on my credit report as a XXXX off with the original creditor ( PNC ) as well as all 3 bureaus ( XXXX, XXXX and XXXX ) both through mail and online- several times. All disputes came back verified which is inaccurate. The account that is reflecting as a charge off is a result of a {$300.00} fully secured credit card that I obtained through PNC. The charged off delinquency is for {$240.00}. From my understanding and knowledge of a secured financial product and the excerpt taken from the Terms and Agreements for Secured Credit Cards from PNC website it states " if I ask you to reduce the credit limit on my Account, or if you or I close my Account, you may use my Security Deposit to reduce my existing obligations to the new lower credit limit, or to zero in the event of closure. If you apply my Security Deposit against my obligations, you may allocate my Security Deposit among my obligations as you in your sole discretion deem advisable '' - this fully secured account should have never been charged off, instead the {$300.00} used to secure the {$300.00} credit limit should have been applied to the balance and the account as a result should have been closed out - not charged off. I have been going back and forth forth with both the CRA 's and original creditor PNC, sending letters explaining why I don't owe this and requesting validation of the debt, like a copy of the bill or contract for the debt they're reporting. I received nothing. However, this inaccuracy has not been addressed and continue to report as a delinquency on my credit report. This is unfair and a violation of not only their data furnisher responsibility but the Fair Debt Collection Practices Act. I sincerely hope the CFPB can help me get to the bottom of this as my next recourse is litigation.
Company Response:
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2019-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-26
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: in XX/XX/XXXX, I called the customer service XXXX # at PNC Bank to request the balance in my account with PNC Bank the customer service representitive told me my balance was XXXX it was in an account called the reserve account. the teller asked me if I wanted to tranfer some to my Spend account also known as the checking acct. I asked her at that date in XXXX, XXXX to tranfer the total amount to my checking or their term for term is spend account. she asked me if I wanted to leave any of that amount in the spend I asked her to leave {$36.00} in to keep my account open. she reassured me of the above {$7200.00} was transferred and that I was free to use any or all of that total. I called XXXX XXXX XXXX ON of after the XXXX of XXXX and paid them {$7200.00}. in XX/XX/2019 PNC Bank sent me a notice of a negative balance due them of {$230.00}. PNC release to me the above amount which I paid XXXX XXXX XXXX {$7200.00}. I asked the teller " if I pay that amount was she sure I would have a balance of {$36.00} her answer was yes. Note that the teller automatically transferred these fund and audiblly confirmed the above amount was being placed in my spend account. then waited until XXXX to note an error by their customer service representative. also note that They authorized this tranaction by moving the funds to my Checking account. in turn I called XXXX XXXX XXXX and gave them my checking account # and electronic in the amount above
Company Response:
State: FL
Zip: 32822
Submitted Via: Web
Date Sent: 2019-06-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A