Date Received: 2018-07-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recognize that XXXX XXXX submitted unauthorized inquiries on my credit for financing 16 times. PNC Bank is one of the companies that was solicited. I contacted XXXX XXXX and spoke with XXXX, who identified himself as the Manger. He refused to help. It is unfair that they did this. It has lowered my credit score by 200 points.
Company Response:
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2018-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-11
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: YESTERDAY MORNING ABOUT XXXX OR XXXX XXXX ON XX/XX/18 I VIEWED MY ACCOUNT AND WITH ALL PENDING ITEMS I WAS XXXX PLUS DOLLARS SHORT/NEGATIVE. SO I TRANSFERRED XXXX DOLLARS TO AVOID THE FEE. GUESS WHAT I GOT IT ANY WAYS. I HAD NO OTHER PENDING ITEMS FOR THAT DAY, BUT LATER ( XXXX ) THAT DAY I BOUGHT MY SON WATER WHICH WAS AFTER I HAD TRANSFERRED THE XXXX IT LEFT ME WITH XXXX DOLLAR AND SOME CHANGE. WHICH IT ALLOWED THAT TRANSACTION TO GO THRU FOR THE WATER. HERE IS THE PROBLEM NOT ALL OF THEIR ONLINE AND APP SHOW THE CORRECT INFORMATION AND NEITHER THEIR SYSTEM AS WELL .THEIR SYSTEM GIVES THE BANK EMPLOYEE A BETTER VIEW OF THE ACCOUNT WHERE AS THE CONSUMERS VIEW A MUCH MORE DIFFERENT AND HARD TO UNDERSTAND VERSION ONLINE OR THRU THE MOBILE APP. SO BEFORE I WENT TO BED MY ACCOUNT WAS OKAY UNTIL ALL THE ITEMS POST AND THEN IT SAID THAT I WAS XXXX DOLLARS AND SOME CHANGE NEGATIVE BY THE END OF THEIR BUSINESS DAY AND IT WAS SHOWING ME THE XXXX DOLLARS AND SOME CHANGE BY THE END OF THE BUSINESS DAY MINUS THE XXXX AND SOME CHANGE PURCHASE OF WATER. I DID A CHAT VIA INTERNET AND SPOKE WITH XXXX AND SHE WASN'T NO HELP
Company Response:
State: IL
Zip: 611XX
Submitted Via: Web
Date Sent: 2018-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-11
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: On XX/XX/XXXX I received a notice that PNC had flagged my account for a payment being 30 days late. Here is the issue, over the last 4 years I've never had a late payment. This apparently occurred because I traded in my car at XXXX XXXX on XX/XX/2018 and the dealership didn't pay off the loan for 30 days. I reached out PNC customer service to which I was told by the agent that she agreed the account was settled, had no idea why a late flag was made to the credit bureaus. However, she said there was no way she could correct it and that I had to write a letter to PNC. I wrote the letter and called the executive care team to which I was told it can't be fixed since the dealer paid the loan late. The other part of this situation that is considerably frustrating is that on XX/XX/2018 I received a call from PNC in which they were asking if I was making a payment this month to which I replied the vehicle was traded in on XX/XX/2018 to which she replied she would make a note. She did not mention anything in regards to sending a note to the credit bureau for a late payment. I would have made the payment over the phone and just waited for PNC to refund me the overage. In the end, I just want my credit report fixed. I have never had a late payment on my report my entire life. This late payment has dropped my credit from a XXXX to a XXXX.
Company Response:
State: FL
Zip: 32940
Submitted Via: Web
Date Sent: 2018-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-10
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: The Loan Estimate ( Good Faith Estimate ) disclosed estimated property taxes for the LENDER ESTABLISHED escrow period to be collected at Settlement of the loan. The GFE- LOAN ESTIMATE - disclosed 10 months {$350.00} a month would be collected at Settlement on the HUD 1 ( {$3500.00} ) Closing Discclosure for XXXX property taxes. 12 CFR 3500.17 ( c ) ) ii ) affirms property taxes may be collected from the date the property taxes were last paid until the date of the first payment for the escrow account for the escrow period. XXXX was the date established by the lender as the first month for the escrow period. Per Regulations, the lender was allowed to estimate for the GFE and collect on the Closing Disclosure ( HUD-1 ) charges from when the property taxes were last paid ( XX/XX/XXXX ) until the month of the first payment into the escrow account in the established esrow period by the lender-XXXX .XXXX TEN ( 10 ) MONTHS FOR XXXX PROPERTY TAXES ; XXXX XXXX XXXX The estimated property taxes for XXXX were XXXX..XXXX and paid by the lender as {$320.00} per Texas Property Tax Code 28.01. Should have disclosed 10 months @ {$26.00} per month for XXXX property taxes- {$260.00} for the GFE and the HUD-1 to be collected at Closing. Why was the lender allowed to collect on the CLOSING DISCLOSURE- ( HUD-1 ) an EXCESSIVE amount of XXXX property taxes. HUD-1 ( Closing Disclosure ) the lender disclosed {$1500.00} was collected at Closing- Disclosed as {$3500.00} on the GFE Loan Estimate and {$1500.00} on the Closing Disclosure- HUD-1. WHY the unreasonable difference on DISCLOSED loan documents? Each amount disclosed was not accurate by facts from the XXXX XXXX. WHY was the lender allowed to NOT DISCLOSE XXXX property taxes on the Loan Estimate or on the CLOSING DISCLOSURE. TO THEN REQUIRE UNREASONABLE INSUFFICIENT DEPOSTS TO DISBURSE INACCURATE PROPERTY TAX CHARGES FOR XXXX NOT DISCLOSED ON THE LOAN ESTIMATE OR CLOSING DISCLOSURE? 12 CFR 1024.38 ( 11 ) requires WRITTEN EXPLANATIONS AND CORRECTIONS FOR ERRORS DESCRIBED in the Error Notices ( QWR ) submitted XX/XX/XXXX and XX/XX/XXXX within time restrictions of SUBMITTING QUESTIONS REGARDING THE LOAN SERVICING, WHICH HAVE NOT BEEN, WERE NOT ANSWERED BY THE LENDER/SERVICER IN A LETTER FROM XXXX XXXX, WHO WAS NOT THE LENDER OR SERVICER OF THE LOAN. WHERE ARE THE FINANCIAL PENALTIES, FINES, CORRECTIONS FOR THE INVALID NOTE AND SERVICING ERRORS IN THE NOTE BY THE CFPB to be assessed by the Bureau? Where are my WRITTEN COMPLETE AND CORRECT ANSWERS to THE QUESTIONS IN THE QWR 'S REGARDING AGGREGATE ACCOUNTING ERRORS AND DOCUMENT COMPLETION ERRORS AND ALL OTHER FINANCIAL COMPUTER ERRORS FOUND IN THE INVESTIGATION BY THE LENDER OR REGULATORS AS AFFIRMED IN 12 CFR 1024.35 ( b ) ( 11 ) Evidence of receipt of the Error Notices ( QWR ) by the servicer in the time period has been provided but is available.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2018-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have been a customer with PNC for almost 2 years. In XX/XX/XXXX I closed my orginal account with PNC and opened another one. Which is my current account, that I have had now for almost a year. Back in XXXX, I recieved a letter in the mail stating that my previous account was closed due to insuffecient funds. and I now owe a balance of XXXX that is now scheduled to go into collections. Now I'm XXXX! because how in the world can you charge an account that was closed almost 9 months ago a insuffcient fund. So I quickly contacted the Retail escalation team for PNC who handles this account and was speaking with XXXX. Who also was perplexed with the sitiuation and was looking into it. So she stated that she would work on it on her end and get back to me. I waited about a week then called her back. But she wasnt available. Then she called me back and I missed her call. Then I finally talked to someone other then XXXX a week ago. Who was still working on this pronblem. Then on XX/XX/XXXX PNC withdrew XXXX out of my account!!! This is obserd!! When I contacted PNC XX/XX/XXXX the Rep said Oh no I can see why I'm mad and that she is not understanding why that happen. Only that when you have a account closed. Then a transaction is allowed to come through and reopen it?? What!!! That is the most ridiculous thing I have heard!! PNC is nuts!! I need every dime of my money and it should have never happened. And to date it has still not been fixed!! No one has bothered to read my notes they just deduct money from my account with a unsolved situation.!!!!
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2018-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: This is in regards to CFPB complaint number XXXX. You marked it as duplicate. This complaint is NOT a duplicate. The complaint is as follows ... I have several unauthorized ATM transactions on my PNC SmartAccess debit card. I filed a claim with PNC and it was apparently denied. I called to ask why and they said its because of previous spending pattern. I have no control over how or where a criminal used my stolen debit card. Now, you should also be aware that PNC alerted me to the fraud! They would only do that if the spending pattern was unusual. Now they change their mind because they dont want to honor their zero liability policy. The transactions Im disputing are {$500.00} from XXXX on XX/XX/2018, {$500.00} from XXXX XXXX on XX/XX/2018, {$500.00} from XXXX XXXX on XX/XX/2018, {$500.00} from XXXX XXXX on XX/XX/2018, and {$500.00} from XXXX XXXX on XX/XX/2018.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Dear CFPB, These two mortgage companies reported false information on my credit reports. PNC MORTGAGE and XXXX XXXX XXXX. I have NEVER done business with them. I NEVER applied for a mortgage with them I have NEVER signed any documents with them. I DO NOT OWE THEM them any money. During the past year, I have sent a total of 6 letters to each of these two creditors and also 6 letters to all 3 credit bureaus asking them to review and delete the false reportings. And only XXXX removed PNC MORTGAGE from my report but not XXXX XXXX XXXX. At this time I am very upset and seeking legal action and support from your organization as these false reportings are causing me a world of troubles.
Company Response:
State: GA
Zip: 30345
Submitted Via: Web
Date Sent: 2018-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-09
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I opened checking account and Money market account with PNC bank in XXXX. According to the documents that I received then, there is no minimum balance requirement to maintain the checking account. I deposited {$290.00} on XX/XX/XXXX. On XX/XX/XXXX I deposited XXXX and paid online bill for XXXX in the amount of {$78.00}. In XXXX, I deposited XXXX. I have not received any paper statements pertaining to my checking accounts. In XXXX, I deposited {$1500.00} another deposit {$270.00}, balance in the account was XXXX. Just recently, I learned that the balance in the account is {$850.00} and that the PNC bank changed the balance requirement from XXXX to XXXX on XX/XX/XXXX ( significant change ) and changing it to a different account without my permission. I have not received any notification about this major change from the bank. PNC bank has been deducting {$25.00} per month due to insufficient funds according to the change in the balance requirement which I was not informed via any paper statement. Any financial institution has a Fiduciary responsibility with the consumer. I tried to resolve the issue with the PNC Bank in person and again this morning via telephone. The bank is giving me a run around and not taking any responsibility in resolving this issue, meanwhile they deducted another {$25.00} from my account this weekend after I started the inquiry.
Company Response:
State: MD
Zip: 20878
Submitted Via: Web
Date Sent: 2018-07-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I had my identity stolen by a former roommate. At the time, I was unaware of her financial issues. At the time she was running the risk of becoming evicted, along with being behind in other bills. My girlfriend came out of town from NY to visit for the weekend and when we returned to the apartment on the morning of XX/XX/XXXX, my wallet had been stolen and she was behaving very manic and irate, with no clear understanding why. I later found out that she was under the influence. My roommate became violent, physically assaulting me and threatening my girlfriend. The police came and had me take a bag and leave for the weekend to allow things to cool down. When we returned, all of my personal belongings had been stolen or damaged. Wallets, money, belongings, internet modems, personal documents, all gone. Social services also became involved. The police did inform me that my roommate 's boyfriend was a known drug dealer and thief and may have played a part in her stealing my information. Since then, I have been working with the detectives of XXXX PD on the investigation. They are now ready to move forward and press charges on my roommate for identity theft. I made several reports to PNC Bank in regards to the identity theft. As of today, XX/XX/XXXX, I had made 4 attempts to have the fees disputed with PNC as of XX/XX/XXXX. The first representative that I spoke to disputed all of the fees and I was provisionally credited for a few, but there were over {$500.00} worth of fees at the time that could not be provisionally credited. After 10 days, I followed up with PNC. On this attempt, I was informed that the first representative had not disputed all of my fees, only a few, leaving over {$600.00} unaccounted for. I again, went through the process and was told to wait 10 days. On my 3rd attempt, I finally reached XXXX XXXX, a manager in the Escalations department. She informed me that between the XXXX fraud and previous incidents ( that I'm just recently through this investigation finding are from XXXX and others ), there is over {$2800.00} worth that has been removed from my account that PNC could not handle in dispute, however, I was never notified. I provided the police report numbers to XXXX ( now for the 3rd time giving it to PNC ) in hopes that this would help speed up the process. XXXX XXXX can not move forward as needed without the letter from PNC refunding the funds, and I did explain this to XXXX. Again, she went through and disputed the fees and informed me that by Friday ( XX/XX/XXXX ), she would be in contact with me in regards to how PNC can resolve this matter. I was told that if PNC is not refunded the money then it can not be resolved, fraudulent or not. She also informed me that maybe I should try to " contact the merchants '', but that it impossible, being that PNC never told me the total amount until now. I made several attempts to follow up with XXXX leading up to Friday and even emailed her documentation from the FTC that goes along with my identity fraud. I still have not received a response from XXXX after a week. I contacted PNC again on Friday ( XX/XX/XXXX ) and spoke to someone in the Escalations department. He informed me that any money that had been provisionally credited, PNC 's investigations shows that it was indeed fraudulent and that the money would not be reversed, but that the {$2800.00} was still up in the air. Today, ( XX/XX/XXXX ), I received an email from PNC stating that I only had {$3.00} remaining in my account. {$150.00} of the provisional credit that I was first given in XXXX that the day prior I was just told would remain had been removed, emptying my account. Again, I had no warning or notification of this. When I called PNC in regards to this, no one could help and the representative refused to allow me to speak to upper management. Each time that I speak with PNC I'm given the run around and no one has direct answers. Every time I'm told that the issue will be resolved, they take more money without explanation. This process is holding up my legal dispute as well as causing hardships on myself and my family. All that I ask is that PNC returns the {$2800.00} in question, in addition to the {$150.00} removed.
Company Response:
State: GA
Zip: 30312
Submitted Via: Web
Date Sent: 2018-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-08
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I paid off my car loan in XX/XX/XXXX. After 60 days, I still did not receive my title. I called PNC bank in XX/XX/XXXX and they said they send it to my previous mother-in-law 's house, which she never received. Due to health issues, the matter was left unresolved until XX/XX/XXXX. I tried to call them again and they told me I needed to mail in a request as the back office would now have the information. I sent in 3 requests since then and never heard anything. I finally went to sell my car a couple weeks ago and because I still had not received my title, the dealership needed a lien release letter. I called PNC bank again and they told me I needed to speak to the Escalations Team. The next day I called and spoke to XXXX, who told me they had to get the letter notarized and would mail it to my new address. It has been over 3 weeks and I still do not have my letter. I have left MULTIPLE voicemails for XXXX with the Escalations Team requesting a call back to get a resolution as the dealership NEEDS the letter and STILL no response. I need the lien release letter as soon as possible since they failed to get me my title!
Company Response:
State: IL
Zip: 60050
Submitted Via: Web
Date Sent: 2018-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A