Date Received: 2018-11-26
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX formerly : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX FL XXXX email : XXXX I am using 2 PNC accounts in my name to receive benefits from 2 XXXX annuity contracts that are annualized i.e. paying out for lifetime. Account Numbers : XXXX XXXX Routing Number : XXXX Account Number : XXXX XXXX Routing Number : XXXX I was a permanent resident in the XXXX until XX/XX/2008. Since then I live in XXXX. PNC has not managed or is not willing to update to XXXX address. They have been sending statements and replacement card to XXXX for one but not the other account. For this account I have not been able to receive a replacement card - presumably because they insist sending it to the old XXXX address. They also claim the card they send somewhere has been activated ( if so - not by me ). PNC advised to report the card that never arrived lost / stolen. Now they obviously issued a new card and sent it to the old address again. There have been endless internet-interactions about this point since XXXX this year but it just does not seem to be possible to a ) change address coherently to the XXXX one I am using for 10 years now b ) send card to new address I fail to see the difficulty. This accounts have been active for > 10 years. I never choose PNC actively. They took over the 2 XXXX community banks I banked with before. I enclose activity reports for this year - so you can verify we are talking about real - active accounts. Your are welcome to forward anything I submit here to PNC - preferably a person with a solution oriented mindset some way up in the hierarchy of that outfit.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-25
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I received a {$36.00} overdraft fee on XX/XX/18. On XX/XX/18, I had {$6.00} in my bank account. I had a deposit of {$10.00} sent via XXXX to my account that day. Which meant I would have had {$16.00}. I can provide an image of all items that were still in the pending status as of XX/XX/18. Except for one item - XXXX XXXX for {$15.00}. That was NOT posted or even in pending. I had the {$10.00} deposited specifically because I knew the {$15.00} would post the next day. The {$10.00} would have added enough to my account so I wouldn't go into the negative. I can also provide the receipt for the deposit which states " The money will be in your account TODAY. '' Unfortunately, I am not able to show how that account looked that day. From the next days ' image it is hard to understand that because of how the items actually posted. Regardless, if you would go based upon the screenshot of my account. It should have added {$10.00} to my balance before the pending items posted which means the computer system should have given me a balance of {$82.00}. With that balance, my account would not have gone into a negative balance. I went to the branch to try to have the {$36.00} overdraft fee reversed. However, they were not able to do that since they said the deposit was made after XXXX XXXX and it didn't post until XX/XX/18. I was not made aware of this by PNC. Specifically, I was informed of the exact opposite. The receipt I have says " The money will be in your account TODAY '' If at any point PNC made aware I would have gone to an ATM and put the money in that way. I should not be penalized for misleading information sent directly from PNC. I am asking you to help reverse the fee. Additionally, for them to correct their official misleading policies/information.
Company Response:
State: PA
Zip: 18052
Submitted Via: Web
Date Sent: 2018-11-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-25
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Since XXXX Ive called numerous of times to pnc. Pnc has charged me and over charged me every month since XXXX. Also says they can charge me daily overdraft fees up to {$96.00} a month. The last two months Ive not been able to pay one bill for the direct deposit I get in. The bank has taken well over half for fees. My husband been diagnosed with XXXX since XXXX and pnc is making a killing for charging me fee after fee. Then one of the calls a employee said I needed to get a job and learn how to use my checking account. When Ive been off taken care of my husband and trying to stay afloat then another employee told me how many fees been reversed and telling me Im out to get free money.
Company Response:
State: OH
Zip: 45255
Submitted Via: Web
Date Sent: 2018-11-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-24
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I was offer a loan for US {$5000.00} ; gave to this so call bank US {$600.00}. Never got the loan and now they hang up the phone on me when I call them. I know, I have been scammed and probably never get my money back, but I would like to protect others from this kind of scam. Hi XXXX! Good day and Congratulations!! It is our pleasure to inform you that the loan application we received from a partner online lender was processed and approved for a personal unsecured loan of {$5000.00} with flat 3.4 % interest rate and flexible repayment options. Please refer to the simple table below for more details. Loan Approval Code XXXX Loan Amount {$5000.00} Total Payback {$5800.00} Monthly Installment {$98.00} Interest Rate 3.4 % Loan Term 60 Months As a financial business we are subjected to immediate but arbitrary audits by the US Federal Treasury Department. Your loan process was included in an audit and is now being monitored by the Internal Revenue Service. Being a Personal Unsecured Loan, we are now facing taxation for the loan amount and as a legal policy, you are required to shoulder a portion of this tax since the approved loan is on your name and will be deposited to your own bank account. Your responsibility on the tax amount is {$490.00}. Please be sure to settle this to complete the deposit prerequisites. Your insurance registration fee was processed through one of our corporate partners and accordingly received. The insurance policy number was successfully generated and is now attached to your loan profile as an update. The {$150.00} designated fee amount corresponds to loan protection contract for your {$5000.00} personal unsecured loan. You are bound to get the same amount back along with the loan amount upon deposit, making a total of {$5100.00}. For any instance that the loan process is hindered or if any of our requirements may unfortunately not be met, YOU WILL STILL GET REGISTRATION FEE OF {$150.00} BACK. Our systems also reflect that you settled the company 's CLOSING FEE requirement. The closing fee is the consolidation of Origination, Processing, and Commitment Fees, making a total of {$350.00}. This was added to your profile as an update, making you eligible to be endorsed to the deposit process. This was supposed to get your loan process finalized, but since the audit was UNFORESEEN, the taxation needs to be settled first. Kindly coordinate with your designated accounting specialist XXXX XXXX by dialing the number at the bottom of this email to settle the taxation and finalize your loan requirements. Thank you. XXXX XXXX XXXX Manager, Accounting and Legal Dept. PNC Loans and Mortgage XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX ( XXXX ) XXXX - XXXX OTHER PHONE NUMBER : XXXX
Company Response:
State: FL
Zip: 33907
Submitted Via: Web
Date Sent: 2018-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. Account Name : PNC BANK, NA Account Number : XXXX Date : XX/XX/2014 Amount : {$1900.00}
Company Response:
State: GA
Zip: 30008
Submitted Via: Web
Date Sent: 2018-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened PNC bank for promotion bonus. I clicked the link provided from PNC website and followed the instruction to open the account on XX/XX/2018. I met all the requirement of 10 debit transaction and over {$3000.00} direct deposit to get a {$200.00} bonus. However, I did not get it yet so I called PNC customer service. The PNC customer representative told me that I opened the different account. So I am not qualify for this promotion. They said there were three different accounts to open for each promotion but When I opened this account, there were not option to choose the account for different promotion bonus. They changed the promotion requirement so They don't pay promotion bonus.
Company Response:
State: NY
Zip: 11361
Submitted Via: Web
Date Sent: 2018-11-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-20
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/XXXX, I legally changed to my married name on my XXXX State driver 's license and US Passport. I contacted PNC Bank to ask how to change my name with them. They supplied me an address to physically mail a request to change along with supporting documents. I called 10 days later to confirm they received it. They stated it was changed on the loan only. I requested them change it on my vehicle registration and Title as I could be cited in a traffic stop for my registration not matching my ID.I complained online on XXXX on XX/XX/XXXX that PNC still hadn't changed it. That afternoon i was contacted by their resolution team by XXXX XXXX ( XXXX # XXXX ). I responded with an email of my best times to speak on the phone as she requested. That next day ... no call. I called the number she provided and after getting out to 4 different consultants, I was given to XXXX XXXX XXXX. She told me to contact my DMV and XXXX Dept of Motor Vehicle registration and see what they told me. These places all said she had to handle it. I also during this time, contacted my XXXX XXXX tag office to ask them what they suggested. I have an email proving they stated it has to be done by PNC. XXXX said she would research and get back to me. On Monday XX/XX/XXXX, i called and spoke to XXXX XXXX at PNC and she said XXXX XXXX was out but she would inform her to follow up. I literally left a message daily after that to see why she hadn't called me back. I called XX/XX/XXXX & XX/XX/XXXX and requested that someone contact me regarding my request as XXXX XXXX has not returned my calls. I spoke with XXXX and XXXX at PNC Retail escalation ( I have their extensions as well as call logs proving this ). They all refused to assist me and kept saying XXXX XXXX would contact me. They also verified she was at work to respond to me. I was told her manager would also be made aware of my concerns. Today, XX/XX/XXXX, XXXX called me and informed me that XXXX XXXX said she never spoke with me even though PNC has recorded lines. He said he would be taking over and asked for my ID information again after i had confirmed PNC received it along with my request weeks prior. He said he would research how to change my name on registration and title. I asked him if he would like the email from the Tag office stating it was up to PNC. He refused that. I feel like PNC is refusing to perform what i have requested as a loan holder and i have provided everything needed for them to accomplish this.
Company Response:
State: GA
Zip: 30533
Submitted Via: Web
Date Sent: 2018-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-19
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I saw a credit, from a merchant XXXX dated, XX/XX/XXXX for {$16.00} on my visa card activity history ( Visa card issued by PNC Bank ). I called the PNC VISA customer service, the rep said that VISA USA under the agreement with various merchants provide the credit card info to third party merchants for a fee. Go talk to them, reached the VISA USA at XXXX. XXXX the rep at VISA said, if the merchant says, that I have a recurring auto debit agreement or SOMETHING LIKE THAT ( nothing specific ), The VISA USA in conjunction of banking institution, in this case PNC bank will give MY PERSONAL FINANCIAL INFORMATION TO THE MERCHANT for a fee. So Visa says, burden of proof is upon merchant to provide unimpeachable documentation that I have given them consent to get my financial information from VISA and THE BANK. Apparently, I can close my account with merchant, terminate all agreements but VISA USA/PNC will give Visa/Financial ; information of mine to merchant just becausethey asked for it. Visa USA conferenced in the PNC bank representative. The Bank said, THEY WILL GIVE MY FINANCIAL INFORMATION, away, to Business partners and affiliates. Based upon this ambiguous hearsay, all of sudden, PNC bnak is an Affiliate to XXXX water delivery, and without my knowledge, or consent give my informatrion to the merchants that pay a fee for the list of their customers account info. Please audit the PNC bank records to see, how many Accounts and related information is being sold to these merchants with flimsiest allegation that customer consented. {$10000.00} fine for each instance when the info was sold on closed merchant accounts, should teach PNC a very good lesson. DISCLOSE to customers, who you are selling the info to and when. I appreciate your kind help.
Company Response:
State: IL
Zip: 60657
Submitted Via: Web
Date Sent: 2018-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This concerns a significant issue with the mortgage escrow account for our summer property at XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX and funds that were paid out from that account. Here is the time line and the list of facts : XX/XX/XXXX My wife and I decided to re-mortgage our shore property to take advantage of the lower mortgage rates. We chose to work through our local PNC bank branch in XXXX, PA, and to use the local lone officer, XXXX XXXX. In the process we also contacted a new insurance agent to re-work our flood and home owners insurance policies, thereby saving us additional money. Our old insurance agent was XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX. For the new policy we chose XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, NJ XXXX. The savings were significant. I have included e-mail documentation showing the process of acquiring the new policy and the approval from PNC Bank. XX/XX/XXXX We paid XXXX XXXX at XXXX for a full year of flood coverage with XXXX of Florida, a total of {$2500.00}, to bind the contract as per the directions from our loan officer, XXXX XXXX. XX/XX/XXXX XXXX XXXX e-mailed copies of the new flood insurance declaration, the payment voucher, and the bound policy ( see attached e-mail paper trail ). When we spoke to XXXX, he told us that he had forwarded the files to the proper individuals for inclusion in our files. XX/XX/XXXX We had the closing on the re-mortgage, signing the papers which included our monthly payment based on the new flood insurance policy/premium. Late XX/XX/XXXX I phoned XXXX and informed them that we would be cancelling the old flood policy and were going with a different agent, thanking them for their help over the years. They sent a cancellation request for the XXXX XXXX for us to sign and return. I did via USPS. XX/XX/XXXX The old XXXX XXXX XXXX policy lapsed and the new XXXX policy took over. We were never made aware until XXXX. XX/XX/XXXX PNC Bank escrow department sent {$9700.00} to XXXX XXXX XXXX in payment for the policy we had cancelled and replaced. XX/XX/XXXX We received an Escrow Statement from PNC Bank dated XX/XX/XXXX, showing that we owed {$12000.00}, due XX/XX/XXXX, and raising our monthly payment from {$1900.00} to {$3500.00}. Looking at the statement we noticed that they had paid out the {$9700.00} to XXXX for insurance we had cancelled. I immediately called the PNC Escrow Department and spoke with a XXXX. We were told to pay the exact amount owed. Thursday, XX/XX/XXXX I called the escrow department again and spoke with XXXX, who informed me that they did not have the declaration page for the XXXX XXXX in our files anywhere. I was instructed to upload a copy of the new declaration page to XXXX using the pin code XXXX. I sent a .pdf file of the page as requested. Our phone call was terminated. After waiting 10 minutes for her to call me back, I called the escrow department and spoke with XXXX. XXXX did call me during that call, and we agreed that since XXXX was contacting XXXX XXXX XXXX, I should continue with him. XXXX contacted the customer service department at XXXX XXXX XXXX. In a conference call with one of their customer service reps, we were told that they needed a copy of the declaration for the XXXX XXXX and the cancellation order. When prompted, the individual reluctantly said that once they had the declaration page and a copy of the cancellation I would receive a full refund within 4 6 weeks. XXXX promised to send that pages as soon as they cleared the PNC system 3-5 days, I believe. Thursday, XX/XX/XXXX Following the conference call with XXXX, XXXX connected me with another young lady in the escrow department who, with her supervisor, worked through the payment owed. We would receive a new escrow statement listing our monthly payment due as {$1900.00}, due beginning XX/XX/XXXX. It was further determined that we would have until XX/XX/XXXX, to make the payment owed to cover the escrow shortfall created by PNC sending the money to XXXX. We were told to pay the exact amount owed on the new statement and that the payment would trigger a new escrow statement reflecting the amount due to fill the escrow account and a monthly payment of {$1900.00} when we remitted that payment. Thursday, XX/XX/XXXX -- I contacted XXXX XXXX, our former insurance company, and discovered that the original cancellation order we had signed and mailed had never arrived. They never bothered to let us know that it had not. XXXX XXXX at XXXX e-mailed a new copy of the cancellation order to me, we signed it, dated it XX/XX/XXXX ( the date that the XXXX policy was set to expire ), and I e-mailed a scanned, signed copy to them to be returned to XXXX. XXXX promised to send it immediately to XXXX XXXX XXXX. She also approved the date of XX/XX/XXXX, on the cancellation order. Tuesday, XX/XX/XXXX We received in the mail a new escrow statement dated XX/XX/XXXX showing a deficit of {$7200.00} and the monthly payment of {$1900.00} when the escrow due was credited to our account and the account refigured using the correct amount for the flood insurance. If we did not pay the short fall, then the monthly payment would be {$2500.00}. Starting around XX/XX/XXXX We began to receive calls from XXXX from the PNC Bank asking for information on our issue and offering to try to help. She gave us the phone number to her desk phone. After our initial conversation I attempted to phone her four ( 4 ) times over three days and each time had to leave a message on her answering machine. Typically I left times and dates when I would NOT be available due to other activities and asked her to call at any other time. It was always during those times when I was unavailable that she returned my calls, leaving me to call her back and leave another message. Tuesday, XX/XX/XXXX Wishing to avoid the increased monthly payment and expecting reimbursement from XXXX within a few weeks, we paid the {$7200.00} into the escrow account to PNC at our local branch on XXXX XXXX XXXX in XXXX, PA, empting about one quarter of our savings account to do so. Monday, XX/XX/XXXX We received a letter from PNC Customer Service dated XX/XX/XXXX, stating they made a number of unsuccessful attempts to contact us and giving us a customer service number to call if the issues were unresolved. Wednesday, XX/XX/XXXX We received an e-mail from XXXX XXXX at XXXX XXXX XXXX informing us that they had gotten a message from XXXX XXXX XXXX that we needed to submit a letter from PNC Bank indicating that they accepted the flood insurance from XXXX in lieu of the XXXX XXXX policy before they could begin to process our claim. Thursday, XX/XX/XXXX -- I called the PNC Mortgage Insurance Department to get the letter forwarded to XXXX and spoke with XXXX. She transferred me to XXXX. XXXX promised that the letter would not be a problem for them. I supplied her with the e-mail for XXXX XXXX, the agency fax number, and the mailing address. XXXX informed me that typically it would take 7 business days for the letter to be processed. When I explained that that delay would be unacceptable, she offered to expedite the process. I asked for an e-mailed copy of the letter and was told that company policy forbade sending e-mails but that she would send a copy via the USPS. She did send a request for the letter, asking that it be moved forward as quickly as possible. Monday, XX/XX/XXXX -- We received a phone call from a PNC Customer Relations Escalation individual named XXXX XXXX. As a part of our conversation she told me that her records showed that we were mailed a copy of the letter XXXX requested about accepting replacement insurance. When I asked about the copy that was to be sent to XXXX she balked then said that she did not see one. Minutes later she said that she thought they had gotten a copy. She asked for all of their contact information and I supplied XXXX XXXX name, phone number street address and fax number again. She told me she would work to see if she could rectify the issues and would get back to me on XX/XX/XXXX when she returned from being away. Monday, XX/XX/XXXX We received in the mail a copy of the letter from PNC to XXXX and XXXX accepting our flood insurance in lieu of the XXXX XXXX XXXX policy. The letter was dated XX/XX/XXXX. Wednesday, XX/XX/XXXX I called XXXX XXXX to update her on the ( lack of ) progress and she commiserated and again told me she would do what she could to help us out. Thursday, XX/XX/XXXX XXXX XXXX called to ask if we had heard anything. Again she was soothing but not terribly helpful. Saturday, XX/XX/XXXX In the mail we received notification from XXXX XXXX XXXX about changes to our policy dated from XX/XX/XXXX, through XX/XX/XXXX. Monday, XX/XX/XXXX I called XXXX XXXX to ask about the notification, believing it further proof that XXXX had not cancelled the policy and had no intention of refunding the money PNC forwarded to them. She was unavailable and I left a message asking her to call back. When she did she had no answers and promised to continue to work on our behalf. She would be away until XX/XX/XXXX but would try to call me on XX/XX/XXXX, hoping we would have heard something positive from XXXX XXXX. I phoned XXXX XXXX at XXXX XXXX XXXX to ask about the notice. I was told that the letter from PNC accepting the flood insurance we paid for had never arrived. I e-mailed her a scanned .pdf file of my copy of the letter and she promised to forward it to XXXX for inclusion in our file. Following that phone call I contacted the federal Consumer Financial Protection Bureau to find out how to file a complaint. I was given the process, which included this Word document detailing all of the timeline and information regarding the complaint. I also called the customer service department of XXXX XXXX XXXX to see if there were additional hoops through which I had to jump. I spoke with XXXX XXXX. He informed me that according to my file XXXX received the cancellation order on XX/XX/XXXX but found a problem with the date on the form. They returned it to XXXX and asked for a correction. That corrected form was received and logged into our account on XX/XX/XXXX, prompting the second e-mail requesting the letter from PNC. Since XXXX had not received that letter before today, they could not forward it. I e-mailed Mr. XXXX the same .pdf copy of my letter sent earlier to XXXX , and he up-loaded it into our file. I asked him if there were additional forms or issues I needed to take care of to get my refund and he investigated. After several minutes he returned to the line to inform me that as of XX/XX/XXXX, the law had changed. Our case was going to be handed off to the regional service/sales manager for New Jersey and he would contact us within forty-eight ( 48 ) hours to let us know the disposition. When I asked if we would get our full refund and how long we might expect that process to take, I was told that the regional service manager would talk to me about whether we would get some or none of our money back and that it was above his pay grade to discuss the possibilities. At this moment we are out the {$9700.00} that PNC sent to cover an insurance policy they had evidence was no longer in effect plus the {$7200.00} we took from our bank account to place into the escrow account to cover the shortfall created by PNC. That is a total of {$16000.00} we do not have at our disposal. For a retiree that is a heck of a lot of money to be out.
Company Response:
State: PA
Zip: 19040
Submitted Via: Web
Date Sent: 2018-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-19
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: PNC Bank. allowed me to open a NEW VISA credit card on XX/XX/18. per the terms I agreed to online during the application process it stated that I would receive balance transfers at ZERO percent rate for 18 months. PNC terms show that the transfer could take up to 10 business days to be completed. Account was opened and the balance that was transferred ( from XXXX XXXX ) showed as debt on my PNC account ( as expected ) as of XX/XX/18. However after a little over a week my XXXX XXXX card ( that the transfer was to be paying off ) had still not received payment. So I called PNC on XX/XX/18 for a status update. They advised me that due to it being a new account that the balance transfer would be held for 15 calendar days, and then sent out. once it was sent out, it could an additional 10 business days. this 15 day HOLD was never disclosed at anytime to me. Also the main issues, that I find downright criminal, is that PNC is able to show my balance transfer as being an owed debt on their account when they acknowledge that it could still be on my other non PNC account ( XXXX XXXX ) for at LEAST 2 weeks, and possibly an entire MONTH. This already has affected my credit score, as my credit usage percentage, as well as my debt to income ratio has been inaccurately reported due to PNC claiming a debt for the balance transfer on their account that they have told me is not paid on my XXXX account. as of Monday XX/XX/18. I have XXXX balance on my XXXX, and the EXACT SAME XXXX on my PNC account ( that was to be transferred ). PNC has told me that they have not, and will not send out payment for 15 calendar days. So I feel they should not be able to claim my debt as theirs through balance transfer until the send out payment. Also I would like them investigated for another issue with the same card, in regards to billing statements. My card was opened on XX/XX/18. My first billing statement closed on XX/XX/18. this hardly seems legal, a 16 day billing statement? that's unheard of.
Company Response:
State: DE
Zip: 19713
Submitted Via: Web
Date Sent: 2018-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A