Date Received: 2023-06-13
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 have several problems with PNC bank they changed my monthly minimum payment from {$50.00} to {$160.00} per month. And never told me so they could say I missed payments and started charging me {$37.00} late fees. No one with a {$1500.00} balance pays {$160.00} per month minimum payment that is absurd greedy and just wrong. They need to be stopped. Also they wouldn't let me make a {$5.00} charge to pay for a {$5.00} XXXX skilled trades ad but they let someone on Arkansas use my account twice XXXX XXXX 2023 and XXXX XXXX 2023 for purchases of {$17.00} and {$16.00} saying I had to pay for it.
Company Response:
State: MI
Zip: 48185
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This is a continuation of previous complaint XXXX XXXX XXXX responded to my inquiry regarding my disagreement with the recovery modification monthly payments PNC is offering. I asked the following additional questions as it relates to the next course of action once the research is completed. As the due date approaches XX/XX/2023, for the loan modification paperwork to be turned in will the foreclosure proceedings move forward even though I do not agree with the terms of the modification offered? Simple questions could be answered via secure email per XXXX XXXX advice in her correspondence to me to further discuss information regarding my account over the phone. I advised XXXX XXXX previously ; I prefer via email for a paper trail. The only issues that are being addressed are my concerns that were outlined to the CFPB. This gave me the impression she is not entitled to answer any more of my questions unless it is over the phone or not required at all, but is supposed to advocate on my behalf. Secured email communications have been implemented before when addressing any concerns or in communication with any PNC staff member, I am not sure why a secured message was not initiated when I started asking questions or why my questions could not be answered as I do not have access to an online mortgage account with PNC to send secured correspondences. Im sending another correspondence for the following questions to be answered : As the due date approaches XX/XX/2023, for the loan modification paperwork to be turned in to PNC, will the foreclosure proceedings move forward even though I do not agree with the terms of the modification offered with pending research? All I need is an immediate response as to what I need to do in the meantime while PNC is conducting its research to my initial questions with an approaching deadline to have the documents received by XX/XX/2023, and whether PNC move forward with foreclosure while my account is being researched? As stated in the approved loan modification correspondence The next steps is to permanently modify your loan to more affordable mortgage payments or more manageable terms. The terms of this permanent loan modification are attached. It is important that you read this information thoroughly so that you can decide whether you would like to accept this permanent loan modification offer. The loan modification is not affordable
Company Response:
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I currently get paid through SSI. The Bank that my SSI is paid through hasbeen double charging me for amounts between XXXX and XXXX respectivily for the past few years, I brought this to their attention and while they refunded some of it, they have now put my balance at XXXX dollars and cents. I can not access the XXXX roughly that should be in my account. They may have mis placed a decimal however I can not get anyone to look at it. I have called the Bank, I have tried Messaging the Bank, They will not resolve the issue that as of now even though there is {$830.00} roughly dollars in my account with only two withdrawels one of which is XXXX and the other XXXX I'm currently at an overdraft of roughly {$370.00}. I have tried all day to fix this. I have photos of the dates and amounts however they are not showing where the difference is in the missing money aside from the complaints I have Filed. If you want any more information I would be glad to provide as I have to inform SSI about all of this. I accidentally hit the mouse and see you allow for attached documents. Please contact me and I will in the meantime transfer the photo 's from my phone to my computer and upload them to you should you need them.
Company Response:
State: GA
Zip: 30132
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Yes I made a purchase but I immediate contacted the merchant and cancelled it they sent it anyway after I refused it it was rerouted back to me again then I contacted the company to get a return label they refused its XXXX XXXX I then filed a dispute over three weeks ago with pnc dispute Dept they assured me not to worry to credit my account and not a single credit email or is mail has been sent to me
Company Response:
State: FL
Zip: 33462
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2023, a check for {$48.00} cleared my account with PNC bank ; however, PNC bank erroneously posted the transaction for {$1200.00}, causing me to be overdrawn incure overdraft fees and depriving me of the use of my money causing me hardship. On XX/XX/XXXX, I personally went in to the bank and they realized they had erroneously posted the wrong amount and assured me the error would be corrected that same day, however, it wasn't. On XX/XX/XXXX, I called the customer service line to ask for my money, and they told me to go to the bank personally and take care of the issue I need help as this is causing me and my family hardship. In the meantime that I don't have my money, PNC is using it interest free and this is fraud and deceptive.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I am writing to express my dissatisfaction regarding my bank and credit card accounts with PNC Bank. Recently, I received a bill in the mail detailing the amount I had spent using my credit card. To settle the balance, I diligently followed the remittance process and made a payment to the company. However, I am deeply perplexed as to whether PNC Bank committed a billing error or deliberately chose not to honor the law and acknowledge a valid method of offsetting my account. To compound my frustration, PNC Bank proceeded to report this incident to the XXXX major credit agencies. This action, I believe, violates the Fair Credit Reporting Act ( FCRA ), which clearly states that the term " consumer report '' does not include reports solely based on transactions or experiences between the consumer and the reporting entity. I find this situation extremely disappointing and seek a swift resolution. As I zeroed out my balance by diligently utilizing the remittance process, I kindly request that PNC Bank rectify this matter by promptly removing the erroneous credit report from my credit files with the aforementioned credit agencies. I trust that PNC Bank will take appropriate action in addressing and resolving this issue in accordance with the provisions of the FCRA. I appreciate your attention to this matter and look forward to a satisfactory resolution.
Company Response:
State: TX
Zip: 77007
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I noticed that my XXXX account no longer showed up in my accounts and visited my branch office of PNC. All they could tell me is that the account was closed due to inactivity. I contacted customer service to be told the same. I was not informed the XXXX line of credit was to be closed : I received no communication by letter or phone message. Closing my XXXX account without notifying me was problematic in itself even as all accounts in my name are active. Denying me another XXXX card after they closed my account added to it, but the recent letter of XXXX ( As you requested? ) Really? Is this a simple matter that the left hand does not know what the right hand is doing? Is this how they treat a veteran and a customer of almost 3 decades? pushed this over the edge and we have now taken it to the next level including numerous letters to corporate-no response. This prompted a complaint with the XXXX. On XXXX XXXX, XXXX XXXX informed me that the matter was given to her. From that point, I sent numerous emails requesting a solution to this issue. As of XXXX no response or solution. Furthermore, I filed an additional complaint with the XXXX no response from anyone. I simply requested one of two solutions-reinstate my XXXX line of credit, or inform me that you are not. I do not believe that my request is unreasonable. I have since applied for a credit card and was accepted by the first bank I applied to. Email copies available upon request.
Company Response:
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Good morning, I was recently a victim of fraud/theft ; this fraud included three separate amounts in my checking account that have been denied after I submitted a claim. I will provide you with further details regarding this unfortunate situation below : I was purchasing a brand new, sealed in box, XXXX XXXX, Unlocked, XXXX gb, in the color purple from XXXX XXXX. The person whom I was purchasing the phone from requested that I use XXXX as a form of payment and agreed to ship the product to me. This scammer first requested a payment of {$500.00} from me. However, she indicated that because this was our first transaction, that I would have to be the one to send the payment ( as opposed to her requesting the payment from me ) ; hence, a second amount of {$490.00} was sent ( the scammer said that the amount sent for first-time transactions could not be more than {$500.00} ). This person sent fake transcripts from a chat with XXXX saying that my first payment of {$500.00} would be refunded by the next business day ; the scammer also sent fake receipts from UPS showing the product as shipped. Additionally, I was scammed {$180.00} for another product from XXXX XXXX, which was for accessories for my new phone ; I was also sent proof of delivery for these products as well, which unfortunately were never received ( this payment was submitted through XXXX ). This is an extremely large amount of money withdrawn from my account as a young, working woman, totaling {$1100.00}. It is your duty as the Consumer Financial Protection Bureau ( CFPB ) to protect me from situations such as the ones mentioned. I am not ignorant of the fact that this transaction was authorized. However, there has been {$250.00} XXXX dollars in fraud from XXXX since XXXX ; since PNC has partnered with XXXX, I would hope that more protective measures would be in place, considering this great loss. When disputing these transactions with my financial institution, PNC bank, they were denied on XX/XX/XXXX - the dispute with the amount of {$180.00} needed additional information for review. However, there were measures that did not seem to be taken into consideration during my investigation which include : 1. Comparing the purchasing pattern for the claim, such as types, amounts, and purchases, with the consumer 's previous purchases ; you can see that I have never used XXXX nor XXXX XXXX prior to this incident. 2. The place of delivery of the payment ( relative to my home ). 3. Getting in touch with the other party that committed the fraud. According to Regulation E of the Electronic Fund Transfer Act of 1978, when someone is induced into giving money, even if it is agreed upon, it is the bank 's duty to replace the funds. I have filed a police report for this incident if you would like to use the following case number to assist with this dispute : XXXX. I am requesting that you further look into my disputes and provide me with a reimbursement. Thank you and I look forward to hearing from you. Thank you very much for your time,
Company Response:
State: NJ
Zip: 08330
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My debit card number was duplicated and my PIN number stolen. The first transaction was XX/XX/XXXX for {$43.00} then XXXX for {$23.00}, XX/XX/XXXX for {$110.00}, and XX/XX/XXXX for {$43.00}. I called and reported all of these as fraudulent to my bank. The dispute was denied because I had the debit card in my possession at the time of the theft despite my telling them they are fraudulent charges. I went to the bank and got a new debit card. On XX/XX/XXXX I reattempted to initiate a dispute and was again denied. My debit card information was again stolen, duplicated, and my PIN number used on XXXX for {$53.00}, XXXX for {$130.00}, and XXXX for {$43.00}. I have re-initiated a dispute and this time started a police report because I have lost almost {$500.00} that my bank refuses to help me recover claiming that there is nothing they are willing to do because the card has been in my possession despite my telling them where I think the information is getting stolen from and the police acknowledging that cards get duplicated.
Company Response:
State: AZ
Zip: 856XX
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PNC took over our mortgage after the XXXX payment was made to the prior company. We were told that our autopay would take a few extra days during the transition, but we did not have to do anything for the XXXX payment. After it was not taken out, we called and they suggested that we send them a check. We sent the check the they said autopay was already set up so they were going to put a note on the account to let the autopay take the money for XXXX and they would pause it for the XXXX and use the check for XXXX. The check was cashed for XXXX. We called and then they said we were on track for autopay for XXXX. XXXX XXXX rolls around and they started to call because our payment was late. We called and explained the situation and they said that we were not setup and we had to go in and set up an account. We made the XXXX payment over the phone. At the beginning of XXXX, the autopay kicked in and took out the mortgage at the beginning of the month, then again the next day. We have spent 4-5 hours on the phone with them and each time have been told something different only to have them pull the mortgage twice. Since it is the weekend we have not had a chance to get in touch with them, however I feel we have gone above and beyond to help them get this figured out to no avail.
Company Response:
State: CO
Zip: 80020
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A