Date Received: 2023-06-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: As of my XX/XX/XXXX statement, I was carrying the following balances listed in the " your finance charges '' section of my bill : Purchases ( 0 % Apr ending XX/XX/XXXX ) {$7000.00} Balance Transfer Promotion ( 0 % ending XX/XX/XXXX ) {$1400.00} That month I made a payment of {$7000.00} on XX/XX/XXXX so that I could open up more credit, because I did another transfer taking advantage of the offer I still had for 0 % until XX/XX/XXXX. I did the transfer for {$5800.00} on XX/XX/XXXX during the same billing period as the {$7000.00} payment. Instead of applying the payment to the previous purchases balance I was carrying, PNC applied the payment to the balance I had just transferred 2 weeks prior leaving me with the following balances listed on the XX/XX/XXXX statement : Purchases ( 0 % Apr ending XX/XX/XXXX ) {$7000.00}, so no portion of my payment was applied to this balance at all. Balance Transfer Promotion ( 0 % ending XX/XX/XXXX ) {$770.00}, so {$620.00} was applied to this balance Balance Transfer Promotion ( 0 % ending XX/XX/XXXX ) XXXX. This is the promotion I had just done during this billing period for {$5800.00}, so {$2900.00} was applied to this balance. I made a payment of {$190.00} on XX/XX/XXXX, thinking that my balance was under a promotional period and that I had time to continue trying to pay this down at 0 %. Then on my XX/XX/XXXX statement, my new balances were : Purchases ( 0 % Apr ending XX/XX/XXXX ) {$7000.00}, still no portion of any payments was applied to this balance at all. Balance Transfer Promotion ( 0 % ending XX/XX/XXXX ) {$320.00}. This is the promotion I had just done on XX/XX/XXXX for {$5800.00}, so another {$2600.00} was applied to this balance. Then finally in XXXX, my balances were : Purchases {$7000.00} meaning {$21.00} was finally applied to this balance after the promo period ended and I was now charged {$100.00} in interest charges. Balance Transfer Promotion ( 0 % ending XX/XX/XXXX ) {$190.00}. Again, this is the promotion I had just done on XX/XX/XXXX for {$5800.00}, so another {$130.00} was applied to this balance. So I was charged {$290.00} balance transfer fee in XXXX only to have all my payments be applied to that transfer as well as a lower balance transfer ending more than 12 months after the purchase promotion that was not having payments applied to it at all. I know this organization is here to try to protect us, and I have never been more confused or felt more taken advantage of by a credit card company since my first card 19 years ago. Please consider helping me and others, since am sure they are doing the same process to other accounts.
Company Response:
State: PA
Zip: 18504
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX consumerfinance.gov ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX I. SUBJECT : CONFIDENTIAL XXXX XXXX | FL XXXX XXXX Application ( ADA ) Medical Certification of Health Care Provider and Patient Certification and Reasonable Accommodation Request and Reporting COMPLAINT involving ( 9 ) COMPANIES/PEOPLE of unfair, deceptive, abusive, collusion, and law-breaking practices. II. SELF-IDENTIFYING AS INDIVIDUAL FILING COMPLAINTS Property Owner Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX XXXX. SELF-IDENTIFYING AS INDIVIDUAL FILING COMPLAINTS WITH XXXX AND XXXX NATION OF ORIGIN On XX/XX/XXXX, I, XXXX XXXX XXXX XXXX XXXX MEDICAL INFORMATION with the ( 8 ) Eight COMPANIES/PEOPLE involved and ( 2 ) additional COMPANIES PEOPLE Americans with Disabilities Act ( ADA ) Medical Certification of Health Care Provider and Patient Certification Reasonable Accommodation Request Form. On XX/XX/XXXX, when I finally was able to connect on the phone with XXXX XXXX, FL XXXX XXXX Program Manager, I, XXXX XXXX XXXX shared CONFIDENTIAL MEDICAL INFORMATION and explained the damaging effects of the stress and XXXX produced by the breach of verbal and written confirmation I would receive the maximum annual grant amount of {$50000.00} late XX/XX/XXXX, yet despite XXXX XXXX being in communication with the Servicers, no payments were made. IV. SUMMARY The Type of Debt : Mortgage and Other debt related to homeownership ( Mortgage Payments, Homeowners Insurance, Homeowners Taxes, Homeowners Association Maintenance Fees, and Legal Fees ) FL XXXX, Case Manager XXXX XXXX, in writing and verbally, informed late XX/XX/XXXX I met the Prioritization Requirements of Eligible Homeowner : '' Qualified Financial Hardship '', " Socially Disadvantage '', " Tier 1 '', and " FHA Loan '' and was approved to receive the maximum per household {$50000.00} financial assistance structured as a non-recoursegrant. I, XXXX XXXX, personally communicated in writing to all companies involved about notice of eligibility for the FL XXXX XXXX Program in late XX/XX/XXXX and XXXX XXXX Bankruptcy filed XX/XX/XXXX by Attorney XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX in United States Bankruptcy XXXX - XXXX XXXX of Florida. FL XXXX, as of today, XX/XX/XXXX, has yet to disburse Mortgage Assistance Program payments for mortgage loans, property taxes, insurance, HOA 's ( Homeowner Association ) maintenance fees, including applicable late charges, directly to lenders, loan servicers, or HOAs. On XX/XX/XXXX, I filed complaints with Consumer Financial Protection Bureau ( CFPB ) concerning the ( 8 ) COMPANIES and PEOPLE involved in the process for the application, FL XXXX XXXX, I submitted on XX/XX/XXXX to The Homeowner Assistance Fund ( HAF ), a XXXX Treasury XXXX XXXX program operated by The Florida Department of Economic Opportunity ( FL DEO ). " The Homeowner Assistance Fund ( HAF ) was established under Section 3206 of the American Rescue Plan Act ( the ARP ) of XXXX '' to provide " financial assistance to Florida through the United States Department of the Treasury ( Treasury ). The purpose of the HAF is to mitigate financial hardships associated with the COVID-19 pandemic by preventing homeowners ' mortgage delinquencies, defaults, foreclosures, loss of utilities or home energy services, and displacement. The Florida Department of Economic Opportunity ( DEO or the Department ) has been designated to manage and operate the HAF on behalf of the state of Florida. '' Unfortunately, the only response I received was from PNC BANK. Upon reading PNC BANK response letter, it is clear PNC BANK does not understand the reason why I filed the complaint. Thus, I am filing again one COMPLAINT hoping all parties involve understand the interdependency and DOMINO EFFECT/ CAUSE & EFFECT with serious adverse consequences to me. The eight companies involved broke laws related to Fair Debt Collection Practices Act ( FBCPA ), Florida State Bankruptcy Stay, and Bankruptcy Discharged Debts Collections. The consequence of their collective unfair, deceptive, abusive practices, will result in displacement due to homeowners ' mortgage delinquencies, defaults, and foreclosure, with unnecessary high legal fees. The first DOMINO PIECE, FL DEO HAF breach of verbal and written confirmation eligibility and approval of FL DEO HAF plan grant financial assistance of {$50000.00}. I communicated this information to the parties involved and based decision of bankruptcy to file based in the verbal and written communication I was eligible for the grant. For the COMPLAINT I submit today, XX/XX/XXXX, I also include U.S. Department of Housing & Urban Development ( HUD ), Office of Fair Housing and Equal Opportunity ( FHEO ) FHEO Region 4 ( Southeast ) - FL. On XX/XX/XXXX, I filed HUDCOMPLAINT XXXX. The reasons to include is it is the option provided as next step in their determination letter and also because proper understanding of the charges I filed complain were not investigated and I was not asked to provide the evidence I have : Our office, the Office of Fair Housing and Equal Opportunity administratively enforces the Fair Housing Act designed to afford all persons an equal opportunity to live in housing of their choice and to participate in HUD-assisted programs and activities without regard torace, color, national origin, sex, religion, familial status ( families with children under 18 ) or disability.For our office to assist you, the law requires your experiences to be connected to the above underline protections. The information you provided shows no connection between the above underlined protections and the experience ( s ) you described ; therefore, our office does not have jurisdiction to accept your complaint for investigation. HUDCOMPLAINT, like the CFPB, is understanding PNC BANK as the only party involved, which is not the case. The investigator had a one hour conversation with me. I provided over 60 pages of detailed time line, FACT FINDING, and offered to provide the original evidence supporting discrimination for protected classes : disability, nation of origin and victim of assault. The reason why PNC BANK was the only response of the ( 8 ) filed, is because exploiting time passed, the statement for PNC BANK alone is now over {$50000.00}. Likewise, is the reason HUD Complaint was not property evaluated. The actions of the COMPANIES/PEOPLE have a start at XX/XX/XXXX through XX/XX/XXXX. There was ample time for FL DEO HAF to disburse payments. It is deceptive to assume that their actions throughout the process vanish and funnel only to PNC BANK. All companies involved also received a Legal Notice of Bankruptcy and knew " Identify the Property You Claim as Exempt '' ( property address I occupy : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ). " The Schedule D : Creditors Who Have Claims Secured by Property '' include PNC BANK, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX & XXXX, XXXX. XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX ( XXXX ). " The Statement of Intention for Individuals Filing Under Chapter XXXX informed each party of my Intent to Retain the property and enter into a Reaffirmation Agreement ''. Although FL DEO HAF is not a creditor, I informed and provided copies of the Bankruptcy filing in XX/XX/XXXX to FL DEO Case Manager XXXX XXXX, XXXX XXXX, XXXX XXXX. Likewise, since XXXX, to XXXX XXXX, XXXX XXXX and the XXXX. In Summary, I, XXXX XXXX, write to request ( CFPB ) Consumer Finance Protection Bureau take enforcement action against the eight companies and persons ( FL Bar attorneys ) I report violating the laws related to Fair Debt Collection Practices Act ( FBCPA ), Bankruptcy Stay and Bankruptcy Discharged Debts Collections to remedy the harm to myself. Additionally, False Statements Representation ( the breach or verbal and written statement of eligibility and grant amount is a breach of contract with severe effects on my mental health emotional and actual damages and with adverse home displacement ). V. DESCRIBE WHAT HAPPENED, and we'll send your comments to the companies involved : I, XXXX XXXX, have unsuccessfully tried to fix the issue with each Creditor/ Servicer. Thus, on XX/XX/XXXX, I filed Eight ( 8 ) complaints individually with Consumer Financial Protection Bureau ( CFPB ). The complaints are filed separately, but they are all linked and dependent on each. In other words, it is a complaint to report collusion, corruption, abuse, ill-will, law breaking actions related to the Florida Department of Economic Opportunity Homeowners Assistance Fund Program application XXXX submitted on XX/XX/XXXX, the property creditors/servicers, and their attorneys- ( all parties involved ). FL DEO HAF Case Manager XXXX XXXX confirmed verbally, and in writing, I qualified, was eligible, and would receive the maximum amount per household in the HAF program of {$50000.00} in XX/XX/XXXX. Since, I requested FL DEO HAF assistance with Mortgage and Condo HOAs, every month since, I provided updated figures for Mortgage Reinstatement and Condo HOA 's Payoffs Letters in XXXX, XXXX, XXXX, XXXX of XXXX and XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. However, today is XX/XX/XXXX, and FL XXXX XXXX is yet to disburse direct payments to the Creditors ( Mortgage Lender and Condo Homeowner Associations ). The delay since XX/XX/XXXX resulted in the attorney 's representing each Creditor billing excessively during XXXX XXXX Bankruptcy Automatic Stay Legal Protection period knowing the property was exempt because I was seeking assistance and financial relief approved by FL DEO HAF. In XXXX, I had grounds to dispute some legal fees, but I did not receiving responses or resolution to grievance and legal fees disputes. The Mortgage Reinstatement and Condo HOA 's Payoffs Letters in XXXX, XXXX, XXXX, XXXX of XXXX, included almost all legal and other fees amount with the exception of some fees in dispute. Up to XX/XX/XXXX, the total amount was below {$50000.00}. I, XXXX XXXX, personally communicated in writing to all companies involved about notice of eligibility for the FL DEO HAF Program in late XX/XX/XXXX. I also informed al parties involved Chapter XXXX Bankruptcy was filed XX/XX/XXXX by Attorney XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX in United States Bankruptcy Court - Southern District of Florida and the Property and the HOAs had intentionally been listed EXEMPT in the bankruptcy operating based on the verbal and written information from FL DEO HAF that they would pay the maximum of {$50000.00}. I was represented by a Florida Bankruptcy attorney with 30 years of experience. It was never my intention to include legal fees in the bankruptcy ( I had a few in dispute for reasons I could support and provide evidence, but I was not until XX/XX/XXXX discharging all legally allowed legal fees incurred prior to XX/XX/XXXX date of bankruptcy filing ). However, given FL XXXX XXXX had not yet remitted payments in XX/XX/XXXX, and the combined amount was XXXX on XX/XX/XXXX submission, I fear displacement and housing insecurity. On XX/XX/XXXX as legal allowed in Florida bankruptcy law, legal fees incurred prior to XX/XX/XXXX filing were included as Amendment. It was a legally sound recourse, before the bankruptcy discharged on XX/XX/XXXX. After XX/XX/XXXX, Bankruptcy Discharge, I asked the three attorneys to provide separate letters : Mortgage Reinstatement Letter and separate Detailed Legal Charges Invoice. Likewise, I asked for each Condo Homeowner Association Payoffs Letters and separate Detailed Legal Charges Invoices. That is, I requested separate Mortgage Reinstatement Letter, Condo HOA 's Payoffs Letters, and Detailed Legal Fees separate LOGS Legal, XXXX, and XXXX & XXXX. All three Legal firms declined. They stated they will not separate the legal fees charges, nor provide Detailed Legal Invoices with Date, Description, Amount, etc. despite having Bankruptcy Court Discharge Document. Although XXXX XXXX ( LOGS Legal ), XXXX XXXX Valdes XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acknowledge receiving from me the Court 's Bankruptcy Discharge file, all attorneys declined to provide separate detailed invoices or subtract the portion of the legal fees I was Legally advised I could include in XXXX XXXX Bankruptcy by XXXX XXXX XXXX The attorneys representing the creditors continue to attempt to collect the wrong amount. Legal Fees debts were discharged and are no longer owed. By denying the request for separate Letters and Invoices, the amount exceeds {$50000.00}. This has cause a bottle neck. FL DEO HAF XXXX XXXX and XXXX XXXX have been authorized to communicate with the creditors and their attorney directly. I continue to be actively involved. Despite my timely and complete submission of the documentation requested and having granted authorization to facilitate and complete the application, instead of assistance, XXXX XXXX ignored all my emails, and calls. I submitted the XXXX set of letters ( XX/XX/XXXX ), valid through the end of XX/XX/XXXX, to XXXX XXXX, XXXX XXXX, XXXX, post XX/XX/XXXX Bankruptcy Discharge of Legal Fees. The total assistance amount for is {$47000.00} ( that is, excluding the legal fees discharged in Bankruptcy ). Key dates I submitted complete sets of ( a ) Mortgage Reinstatement Letter, ( b ) MASTER Homeowner Association Payoff Letter, and ( c ) SOUTH TOWER Homeowner Association Payoff Letter, as requested by FL DEO HAF : ( 1st set ) XX/XX/XXXX - valid thru the end of XXXX figures ( 2nd set ) XX/XX/XXXX - valid thru the end of XXXX figures ( 3rd set ) XX/XX/XXXX - valid thru the end of XXXX figures ( 4th set ) XX/XX/XXXX - valid thru the end of XXXX figures ( 5th set ) XX/XX/XXXX - valid thru the end of XXXX figures ( 6th set ) XX/XX/XXXX - valid thru the end of XXXX figures amount is below {$50000.00} However, FL DEO HAF is yet to disburse direct payments to the Creditors ( Mortgage Lender and Condo Homeowner Associations ). For example, I submitted the 5th set of letters ( XX/XX/XXXX ), valid through the end of XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX, post XX/XX/XXXX Bankruptcy Discharge of Legal Fees, and the total financial assistance amount XXXX was {$45000.00} ( less than {$50000.00} ). Likewise, the 6th set of letters ( XX/XX/XXXX ), valid through the end of XX/XX/XXXX, I submitted XXXX, XXXX XXXX and XXXX XXXX, XXXX XX/XX/XXXX Bankruptcy Discharge of Legal Fees, total financial assistance amount for is {$47000.00} ( that is, excluding the legal fees discharged in bankruptcy ). Also, less than {$50000.00}. The reason why PNC BANK was the only response of the ( 8 ) filed, is because exploiting time passed, the statement for PNC BANK alone is now over {$50000.00}. Likewise, is the reason HUD Complaint. also was not property evaluated. The actions of the COMPANIES/PEOPLE have a start at XX/XX/XXXX through XX/XX/XXXX. There was ample time for FL XXXX XXXX to disburse payments. It is deceptive to assume that their actions throughout the process vanish and funnel only to PNC BANK. All companies involved also received a Legal Notice of Bankruptcy and knew " Identify the Property You Claim as Exempt '' ( property address I occupy : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ). " The Schedule D : Creditors Who Have Claims Secured by Property '' include PNC BANK, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX & XXXX, XXXX. XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX ( XXXX ). " The Statement of Intention for Individuals Filing Under XXXX XXXX informed each party of my Intent to Retain the property and enter into a Reaffirmation Agreement ''. Although FL DEO HAF is not a creditor, I informed and provided copies of the Bankruptcy filing in XX/XX/XXXX to FL DEO Case Manager XXXX XXXX, XXXX XXXX, XXXX XXXX. Likewise, since XXXX, to XXXX XXXX, XXXX XXXX and the XXXX. In Summary, I, XXXX XXXX, write to request ( CFPB ) Consumer Finance Protection Bureau take enforcement action against the eight companies and persons ( FL Bar attorneys ) I report violating the laws related to Fair Debt Collection Practices Act ( FBCPA ), Bankruptcy Stay and Bankruptcy Discharged Debts Collections to remedy the harm to myself. Additionally, False Statements Representation ( the breach or verbal and written statement of eligibility and grant amount is a breach of contract with severe effects on my mental health emotional and actual damages and with adverse home displacement ). VI. THE PROBLEMS I AM HAVING : False statements or representation - Breach of Contract ( written and verbal ) by ( FL DEO HAF ) Florida Department of Economic Opportunity Homeowner Assistance Fund and and Emotional Distress and Damages cause as result of FL DEO Case Manager XXXX XXXX, in writing and verbally, informed late XX/XX/XXXX I met the Prioritization Requirements of Eligible Homeowner : " Qualified Financial Hardship '', " Socially Disadvantage '', " Tier 1 '', and " FHA Loan '' and was approved to receive the maximum per household {$50000.00} financial assistance structured as a non-recoursegrant for FL DEO HAF. I trusted the information I received, and immediately shared it with Mortgage Bank servicing my FHA Loan and the two Condo Homeowner Associations and at the time only one attorney representing PNC BANK. I complied, and continue to comply, with the requirement " The homeowner must provide all necessary documentation to satisfy program guidelines within timeframes established by DEO, including self-certification or attestation of income and Socially Disadvantaged Individual status by Self-certifying being Hispanic/Latina. For example, I provided monthly valid thru the month of XXXX, XXXX and XX/XX/XXXX Mortgage Reinstatement and Condo HOA Payoff Letters totaling below {$50000.00}. FL DEO HAF Time Delay ( opposite of good-faith ) caused the amount which by then was growing excessively with Legal Fees as now each Mortgage Bank and Condo HOA attorneys was involved. Additionally, XXXX XXXX XXXX XXXX of FL DEO HAF contacted me XX/XX/XXXX and informed she had been in communication with all parties involved, but no payment direct to the Creditors/Servicers has been made. Attempts to collect debt disputed with reason as not owed The XXXX, XXXX and XXXX of XXXX amounts for Mortgage Assistance and Condo HOA Assistance included almost all the legal and other fees from the attorneys. I had reason to dispute some amounts. For example, HOA Master managed by property manager XXXX XXXX XXXX XXXX in XX/XX/XXXX informed that they will take Right-of-Use of assigned parking space Number XXXX to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Fl XXXX. The monthly Condo HOA Monthly Maintenance in XXXX was {$160.00} and in XXXX is {$190.00}. The market price amount to rent the parking space monthly ranges from {$180.00} to {$200.00} a month. In other words, the monthly maintenance fee has been in trade settling money owed by taking Right-of-Use of assigned parking space. Another example is that although LOGS Legal attorneys representing PNC BANK waited to serve the Foreclosure documents via XXXX mail in XX/XX/XXXX, I had been in contact with XXXX XXXX, LOGS Legal attorney, since XX/XX/XXXX and she had confirmation I occupied the property at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Fl XXXX. However, LOGS Legals was making attempts to serve the Foreclosure documents and list charges of XXXX for servicing multiple attempts to service the documents to an address I do not reside at and they had Self-Certification from me by submitting Property XXXX I owner occupied the property. Attempts to collect legal fees debt not owed given discharge in bankruptcy ( legal fees debt incurred prior to XX/XX/XXXX, under the was discharged in bankruptcy ). I, XXXX XXXX, personally communicated in writing to all companies involved about notice of eligibility for the FL DEO HAF Program in late XX/XX/XXXX. I also informed al parties involved Chapter XXXX Bankruptcy was filed XX/XX/XXXX by Attorney XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX in United States Bankruptcy Court - Southern District of Florida and the Property and the HOAs had intentionally been listed EXEMPT in the bankruptcy operating based on the verbal and written information from FL XXXX XXXX that they would pay the maximum of {$50000.00}. I was represented by a Florida Bankruptcy attorney with 30 years of experience. It was never my intention to include legal fees in the bankruptcy, but given FL DEO HAF had not yet remitted payments in XX/XX/XXXX, and the combined amount was XXXX on XX/XX/XXXX submission, in what is very human, fear of displacement and housing insecurity, on XX/XX/XXXX as legal allowed in Florida bankruptcy law, legal fees incurred prior to XX/XX/XXXX filing were included as Amendment. It was a legally sound recourse, before the bankruptcy XXXX on XX/XX/XXXX. All legal fees justified to dispute prior to including in legal fees to discharge in bankruptcy, resulted in Unresponsive Disputes in Writing to correct the amount owed. Likewise, oncelegal fees debts were discharged in bankruptcy. Unresponsive Disputes in Writing to correct the amount owedafter debts were discharged in bankruptcy or prior justified disputed. Took or threatened to take negative or legal action ( threatened to sue, seize property ) Severe effects on my mental health XXXX, emotional and actual damages and with adverse home displacement. VII. WHAT WOULD BE A FAIR RESOLUTION? FL DEO Homeowner Assistance Fund Plan to pay mortgage lender and HOAs the FL DEO HAF grant amount of {$50000.00} maximum per calendar year. FL DEO Homeowner Assistance Fund Plan to pay as consideration for emotional and actual damages FL DEO HAF APP-XXXX grant amount of {$50000.00} maximum per calendar year for XX/XX/XXXX to XX/XX/XXXX and also for the portion of XX/XX/XXXX to date. PNC BANK to modify the mortgage loan. PNC BANK to request hired attorneys XXXX XXXX XXXX to exclude the legal fees discharged in bankruptcy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to XXXXequest XXXX XXXX XXXX ( XXXX ) to exclude the legal fees XXXX in bankruptcy. XXXX XXXX XXXX XXXX to acknowledge they took possession, Right-of-Use, of property assigned parking space and its market rent rate is above the the monthly MASTER HOA Condo Monthly maintenance fee . Settle in trade. XXXX XXXX XXXX XXXX to request XXXX & XXXX to exclude the legal fees XXXX in bankruptcy. XXXX XXXX XXXX XXXX to request XXXX & XXXX to close the matter against any legal fees owed.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Last Saturday I had over XXXX taken from my account by various companies. I tried calling PNC when I found out but there was no one there to answer. I called Sunday, but they gave me the run around and said they couldnt file disputes on transactions that havent posted yet. So I had to wait until Tuesday when the majority of them posted and the only ones that have been returned to me are several small ones from XXXX. None of the others have been taken care of. Its almost been a week and I believe they are supposed to get that back the next business day. This has caused me to be late on rent since I dont have enough money in my account.
Company Response:
State: TX
Zip: 76049
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I lost {$1000.00} cash right in front of my eyes on XX/XX/23. It was so bewildering that I'm reaching out here. On XX/XX/23, around XXXX PM, I went to the PNC bank Mt. XXXX XXXX to deposit a total of {$2000.00}, consisting of XXXX {$100.00} bills. There was XXXX teller attending to another customer at the counter, so I filled out a deposit ticket. When it was my turn, I handed the cash and the deposit slip to the XXXX teller who was wearing a mask. We engaged in small talk about the mask. I couldn't see what she did with the money afterward because the area visible to me was narrow. Then the teller told me that I only gave her {$1000.00}, despite me double-checking that it was {$2000.00}, both before arriving at the bank and after. I explained this fact to her even after we arrived at the bank, but her response was that she only received {$1000.00}. The teller started counting the money and claimed that her balance was correct. I was dumbfounded because I was certain that I had brought XXXX {$100.00} bills with me, and I confirmed it before leaving and after arriving at the bank. In the meantime, another customer overheard our conversation and suggested that it would be best to report it to the police. So I immediately reported the incident to the police. Shortly after, an officer arrived, and I explained the situation, but the bank representatives said that all they could do was check the balance after completing their tasks. Later, around XXXXXXXX XXXX, the branch manager arrived at the bank and repeated the same story. So I waited in front of the bank until they finished checking the balance. It was past XXXX PM when the bank manager informed me that the extra {$1000.00} was not found after confirming the balance. Then, the only thing left for me to do was to contact the police and request XXXX footage review. I left a note requesting the footage review. Now, it seems like this is all I can do, so I'm leaving this message here. Please, help me find the missing {$1000.00} that disappeared right in front of my eyes. I feel incredibly unjust about this. I reported the incident to the bank 's customer service call center, but I haven't received any response. The branch manager mentioned that they would conduct an internal investigation, but they said that they wouldn't contact me separately. It's really disappointing that the bank is not taking any action in this situation.
Company Response:
State: NJ
Zip: 08057
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Credit inquiry from XXXX XXXX XX/XX/23 isn't mine Credit inquiry from XXXX XXXX on XX/XX/23 isn't mine Credit inquiry from PNC on XX/XX/23 isn't mine Credit inquiry from XXXX on XX/XX/23 isn't mine
Company Response:
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2023-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: SEE MY ATTACHED FILE PNCBANK FOR EASIER READING.
XXXX : >> REFER TO DOCUMENT LABELLED XXXX << XXXX - REVIEWED CHECKING BALANCE PRIOR TO PAYING RENT & DISCOVERED FRAUDULENT CHARGES TOTALLING {$4900.00} FROM XXXX. CALLED PNC, REQUESTED FRAUD DEPT. AND SPOKE WITH XXXX. I FILED 3 DISPUTES : {$990.00} ( # XXXX ), {$1900.00} ( XXXX XXXXXXXX ) & {$1900.00} ( XXXX XXXX ). SHE ACKNOWLEDGED CANCELLING ONE DISPUTE ( POSSIBLY ENDING IS XXXX? ) BUT SHE ASSURED ME THE 3 PREVIOUSLY NOTED WERE ACTIVE. RESOLUTION WOULD TAKE 10 BUSINESS DAYS. I XXXX XXXX & FOUND XXXX XXXXXXXX FOR CUSTOMER SERVICE. THEIR VOICE MENU WOULD NOT ALLOW ME TO SPEAK WITH A HUMAN SINCE I HAD NO ACCOUNT.
XXXX XXXX ( APPROXIMATELY ) - SPOKE WITH XXXX XXXX ( PNC XXXX XXXX XXXX ) WHO SAID IT WOULD TAKE 24 HOURS TO CLEAR MY OLD CREDENTIALS SO I COULD RE-ENROLL WITH NEW USER ID & PASSWORD. SHE PROMISED TO CALL BACK WHEN THIS HAD BEEN DONE. SHE KEPT HER PROMISE.
XXXX : XXXX FROM PNC XXXX XXXXXXXX HAD TO ASSIST IN RESETTING CREDENTIALS BECAUSE OLD ONES WOULD NOT GO AWAY. HE CONFIRMED MY 3 DISPUTES WERE ACTIVE.
>> REFER TO DOCUMENT LABELLED falsewithdraw & cards << I RECEIVED A LETTER DATED XXXX THAT MY DISPUTE HAD BEEN WITHDRAWN!! THIS IS ABSOLUTELY NOT TRUE!! THIS WAS AN ERROR BY XXXX WHO BROUGHT UP THE TERMINOLOGY MOBILE BANKING VS. ONLINE BANKING. I CONFIRMED AT THE TOP OF THAT CALL THAT I USED ONLINE BANKING. ALL MY ACTIVITY ON THIS ACCOUNT HAS BEEN ONLINE. I WOULD NEVER USE MOBILE BANKING DUE TO POTENTIAL HACKING WITH WIFI!!!
NOTE : THIS DOCUMENT ALSO SHOWS BUSINESS CARDS I GOT FROM ALL THREE ASSOCIATES @ PNC XXXX XXXX XXXX ( XXXX REFERRED TO AS " XXXX '' ) THAT I WOULD PERSONALLY SPEAK WITH ( XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) HAD THE SAME PHONE # OF XXXX, FAX # OF XXXX, ADDRESS OF XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX AND SAME E-MAIL FORMAT WHICH WAS FIRST NAME.LAST XXXX.
XXXX THROUGH XX/XX/XXXX : I SPOKE WITH VARIOUS PNC ASSOCIATES ( XXXX ON XXXX, XXXX XXXX XXXX ON XXXX, XXXX WHO HUNG UP ON ME AND XXXXXXXX XXXX XXXXXX/XX/XXXX, PLUS XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, WHO ALL CONFIRMED I HAD 3 DISPUTES ACTIVE. SEVERAL OF THESE PEOPLE ALSO MENTIONED THAT DISPUTES HAD YET TO BE ASSIGNED TO ANYONE. CHANGED USER ID & PASSWORD TO MY {$0.00} BALANCE XXXX XXXX. I CHECKED ALL MY CREDIT CARDS FOR ILLEGAL ACTIVITY BUT FOUND NOTHING WRONG SO NO USER/PASSWORD CHANGES SEEMED NEEDED.
XX/XX/XXXX : XXXX - CONCERNED THAT THIS WAS THE 10TH BUSINESS DAY & NO RESOLUTION, I WENT TO THE PNC BRANCH AGAIN & SPOKE WITH XXXX XXXX. AT THIS MEETING HE TOLD ME THAT IN FACT DISPUTES HAD BEEN CANCELLED ON XXXX AND I WAS LIED TO BY VARIOUS ASSOCIATES THAT THEY WERE STILL ACTIVE!!
XX/XX/XXXX : I RECEIVED 3 LETTERS STATING THAT THE DISPUTES WERE " RESOLVED ''. THERE'S A PARAGRAPH THAT READS : " YOU HAVE THE RIGHT TO REQUEST ANY DOCUMENTS THAT WE RELIED UPON IN MAKING OUR DECISION. '' NO SUCH DOCUMENTS WERE ATTACHED TO ANY LETTERS. TO THIS DAY NO ONE HAS EVER PRODUCED SUCH A DOCUMENT DESPITE REPEATED REQUESTS BY ME DURING OFFICE VISITS & PHONE CALLS!!!
XX/XX/XXXX : XXXX REFER TO DOCUMENTS LABELLED XXXX-XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX WERE SIGNED BY ME IN XXXX XXXX 'S OFFICE DENYING I MADE THESE TRANSFERS. I ASKED HIM IF IT WAS NECESSARY TO CLOSE MY ACCOUNT & OPEN A NEW ONE. HE SAID THAT SINCE NO FURTHER BREACH HAD OCCURRED & USER/PASSWORD HAD BEEN CHANGED, THAT CLOSURE DIDN'T SEEM TO BE NEEDED.
XXXX XXXX XXXX - RECEIVED E-MAIL & PHONE MESSAGE FROM XXXX XXXX ( XXXX ). CALLED BACK TO GET HER VOICE MAIL. AS WITH EVERY MESSAGE I'VE LEFT THUS FAR, I PROVIDED MY HOME # AS WELL AS CELL #.
XX/XX/XXXX : XXXX ( APPROXIMATELY ) - SPOKE WITH XXXX. REQUESTED XXXX XXXX TO CALL ME XXXX XXXX XXXX ON XX/XX/XXXX.
XX/XX/XXXX : XXXX XXXX - CALLED BACK & SPOKE WITH XXXX. SHE CONFIRMED THAT THE XXXX XXXX CALL I REQUESTED ON XX/XX/XXXX DID NOT HAPPEN. ASKED FOR A CALL BACK AT XXXXXXXX XXXX TODAY.
XXXXXXXX XXXX ( APPROXIMATELY ) - RECEIVED AN ANSWERING MACHINE MESSAGE FROM XXXX DELIVERED IN A FAINT VOICE. THIS CALL XXXX - A CALL CAME THROUGH, RANG ONCE, WHEN I WENT TO ANSWER IT THERE WAS NO ONE THERE & NO MESSAGE LEFT. HIT REDIAL & WAS CONNECTED TO XXXXXXXX XXXX VOICE MAIL.
XXXX - GOT A CALL BACK FROM XXXX XXXX & PNC ( XXXX ) CONCURRENT TO THE CALL INTO EXECUTIVE CLIENT RELATIONS ( ECR ). HE PROMISED TO CALL ME BACK @ XXXX XXXX TODAY.
XXXX - SPOKE WITH XXXX. WENT THROUGH THE WHOLE SCENARIO OF IDENTIFYING WHO I WAS, ACCOUNT #, ADDRESS, ETC. ASKED TO SPEAK WITH A MANAGER. THAT NEVER HAPPENED. ALL HE TOLD ME WAS THAT XXXX WAS " WORKING ON IT ''. TO DATE SHE HAS NEVER CALLED ME BACK ON MY CELL # I PROVIDED.
XXXX REFER TO DOCUMENT LABELLED accountactivity << XXXX (? )- FINALLY DURING A PHONE CALL TO XXXX SHE INFORMED ME THAT MY MONEY HAD BEEN RESTORED ON A TEMPORARY BASIS TO MY ACCOUNT PENDING FURTHER INVESTIGATION.
XX/XX/XXXX : XXXX - WENT INTO MY PNC ACCOUNT & DISCOVERED THE 3 TRANSFER AMOUNTS WERE AGAIN REMOVED FROM MY ACCOUNT CREATING A $ XXXX BALANCE.
XXXX REFER TO DOCUMENTS LABELLED accountactivity, XXXXXXXX XXXX, & XXXX Company Response: State: PA Zip: XXXXX Submitted Via: Web Date Sent: 2023-06-28 Company Response to Consumer: Closed with monetary relief Timely Response: Yes Consumer Disputed: N/A
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Date Received: 2023-06-28
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: My brother XXXX XXXX XXXX went to my PNC Bank and opened my savings account, and changed my account status to access with voicemail checking whether I have money in the account. He has a fake driver 's license or I.D . in my name. Also, my old workers XXXX, XXXX, and more identity thieves were involved too, and checking my accounts.
Company Response:
State: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: PNC Bank has not fulfilled its obligations pursuant to its advertised promotion. I opened this XXXX XXXX account in XX/XX/2022 and fulfilled all requirements ( recurring direct deposits, etc. ) for the advertised {$400.00} bonus. However, PNC has not honored its promise by posting the bonus to my account.
Company Response:
State: VA
Zip: 22204
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I went to the ATM at the PNC branch on Monday XX/XX/2023. Around XXXX and pulled into the atm to cash my pay check like I normally do. My state cleaning job doesnt offer direct deposit! I wish! Im only paid once a month. Well the atm ATE MY CHECK! The screen froze and it spit my debit card out. I immediately went inside the branch which is PNC in XXXX, KY. I told the lady what happened after 30 minutes of her trying to get me some help I was told it could be TWO WEEKS OR LONGER before I could receive my funds!!! RIDICULOUS! I have bills due NOW! My electric will be shut off my internet my phone my kids need to eat!!! I told the lady the same and asked how will my kids eat and all she could say was she apologized and there was nothing else they could do! Ive called the XXXX number with lies saying my account could be credited within XXXX hours now today they tell me NOPE itll be TWO WEEKS or longer after they investigate!!! I mean Im ON CAMERA OBVIOUSLY DEPOSITING MY CHECK!! I need my funds NOW! I cant even drive to work without gas!!!!!!!!!!! They shouldve at least credited my account with some sort of advancement but NOPE! This is unfair treatment! And I will be switching after this! How dare they tell me I cant have my money when their machine failed to work correctly! I AM LIVID AND MY KIDS ARE HUNGRY! So what do I do? This must be why people do criminal things! I just want whats MINE! Please please please help me!
Company Response:
State: KY
Zip: 409XX
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Activated ten percent rebate offer on PNC XXXX XXXX XXXX XXXX for charge made to XXXX XXXX ( XXXX ) hotels. On XX/XX/2023, the terms of the offer were met through an advance purchase processed on the XXXX XXXX website. Part of the transaction provided to enter my XXXX XXXX number. The process was completed and the advance payment was made to the XXXX. A confirmation from XXXX was received. The dates of the actual reservation were XXXX - XXXX. The charge of {$540.00} was billed to my credit card on XX/XX/2023, which was within the terms of the offer. However, the account was charged to XXXX rather than XXXX. PNC refuses to honor the rebate as the system shows the charge as not being made directly to XXXX. I processed the offer according to the stated terms and believe one of the vendors, XXXX, XXXX, or PNC XXXX, is engaged in a deceptive practice. Both XXXX and XXXX deny responsibility for the offer and claim this is an issue with the PNC XXXX XXXX XXXX XXXX. Documentation is available as required.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A