Date Received: 2023-05-22
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: I was a victim of identity theft in the military and I sent in all the proper paperwork and information to the credit bureaus to have them accurately fix these issues. Some of these items are taken off of some of the 3 bureaus and still reporting on the other. The process should be the same for one and the other. While in the Military it is hard to contact the credit bureaus from overseas and I am fed up. This has been going on for over 5 years. I sent in FTC reports and also a FBI Victim report because the Feds caught the guys with id and drivers license in my name and arrested some of them. XXXX : PNC BANK AUTO LOAN XXXX XXXX XXXX PNC BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ALL THESE ACCOUNTS BEEN CORRECTED ON XXXX AND XXXX BUT NOT XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX REPORTED THIS ACCOUNT THAT WAS FRAUD AND DELETED PREVIOUSLY FROM XXXX XXXX THE PURCHASED SOME DEBT FROM SOMEWHERE AND REPORTED THIS TO MY CREDIT I TOLD THEM THAT IT WAS FRAUD AND DELETED BY THE CREDITOR.
Company Response:
State: GA
Zip: 30319
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I closed my PNC BANK highest interest savings account in early XX/XX/. There is no term limit with the account. The bank refused to give me my {$350000.00} back unless I agreed not to accept the more than {$2600.00} of interest I had earned. The bank committed bank fraud against me through deceit and held my money hostage. I told them to send me the {$350000.00} and we can discuss the {$2600.00} later. On my bank statement, there is none descriptive language showing the bank kept my money, any only by careful examination of my bank statement did I discover they kept my money. I have called the bank dozens of times. The bank told me to go to a branch to show my ID to get my money, which I did two weeks ago, and the bank still hasn't sent me my interest. The bank stated the money was eschewed to California ( a lie and no proof provided ), as recently as last week said they bank has " lost the funds '' in a voice message I have, and overall, the bank has kept my interest and refuses to give it. THE BANK IS IN CLEAR VIOLATION OF THE LAW. If they are doing this to me, they are doing it to lots of people. The bank branch on my visit said this is common where the bank refuses to pay earned interest.
Company Response:
State: CA
Zip: 91423
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: company keep calling and harassing my co workers and myself. per 15 U.S. Code 1692b - Acquisition of location information : per 15 U.S. Code 1692d - Harassment or abuse- on 05/10/2023 : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title. ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. ( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.
Company Response:
State: NV
Zip: 89130
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I received a letter from PNC Bank dated XX/XX/2023 about an overdrawn account. The overdraft was in one of the 3 accounts that are part of my " Virtual Wallet '' ( Spend, Reserve, and Growth ). My wife had withdrawn money from a non-PNC ATM, which automatically checked our account balance and in turn initiated a {$3.00} fee for both my primary checking ( Spend ) and savings ( Growth ) ; this transaction occurred on XX/XX/2023. I called PNC on XX/XX/2023 after receiving the notice on XX/XX/2023 and was told there is no way to prevent this from happening when using a non-PNC ATM, and that although PNC has halted NSF fees for their checking ( Spend ) accounts, that this did not apply to savings ( Growth ), and that further fees would begin to accumulate if the - {$3.00} remained in my savings ( Growth ) account. I don't use the Growth account because we have some uncertainty in our lives ( both of us with sick fathers with little savings, one recently deceased ), so I asked if there was any way of preventing this fee from occurring because it's likely I will use another non-PNC ATM in the future and not catch the notice, which came 3 weeks after the fee. They said the only way to do so would be opening another account. PNC Bank advertises it's removal of fees and I'm sure it brings it a lot of customers, but this doesn't seem to be the case with its " Virtual Wallet '' product, which at best seems to be a way to unethically incentivize customers into storing funds in their Growth accounts, but at worst looks to be the same predatory fees with few added caveats.
Company Response:
State: IL
Zip: 60647
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PNC Bank is our mortgage holder. They debited an extra almost {$400.00} from my account on XX/XX/XXXX. When I reached out to find our why, they said to contact our County Assessors office because our taxes increased by about {$4000.00} a year. They advised that my new tax evaluation for 2023 is over {$5000.00} a year. After confirming with our County that our taxes only increases by under {$100.00} for the year. ( {$1800.00} per year ) I contacted PNC to request immediate correction. I was advised that I would hear back from PNC escrow analysis team within 3 business days. 4 business days passed and I had not heard from anyone. I reached out via email requesting immediate resolution, I received a voice message that there was a miscommunication regarding the amount of time it would take for me to receive a call back. I sent another email requesting immediate resolution or I would be forced to file a formal complaint. I have not received answers, a timeline, or even an apology. PNC 's escrow analysis team made a huge error, and because of their error, we are short {$400.00} that was intended for other bills. PNC advised us that they sent us notice on XXXX regarding the increase, I advised that I did not receive notice. I understand that mistakes happen but I don't understand the lack of customer service, respect, and integrity to do the right thing.
Company Response:
State: CO
Zip: 806XX
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have an account with PNC. A refund of {$300.00} was issued to me on XX/XX/2023. PNC has not credited this refund to my account. They opened a dispute on my behalf instead. When I spoke with the company that issued the refund, they provided me with the refund date, transaction number, amount, and card number they issued the refund to. I have attempted to provide this information to PNC, who refuses to take it. They are insisting that a dispute must be conducted via snail mail. I informed them I do not have a printer and could email the information to them. They refused and said they will only correspond on this matter via snail mail. I am not certain why they are refusing to assist in any kind of timely manner. I am not going to go out and buy a printer, or pay for a cab to go somewhere that will charge me to use a printer, just so they can credit my account with money that should already be there. I am attaching the information for you. Maybe you'll have better luck than I have.
Company Response:
State: IL
Zip: 61614
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately PNC BANK XX/XX/ Balance : {$47000.00}
Company Response:
State: OK
Zip: 73107
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On or before XX/XX/XXXX : Fraudulent online home equity mortgage application was initiated by identity thief. XX/XX/XXXX : Upon returning home from vacation, we received a completed Home equity loan application from PNC bank in the mail asking for $ XXXX line of credit against one of my properties. Loan request had my personal information, including Name, address, birthdate, SSN, employment history, and mortgage and Credit card information. I did not submit this loan request. The only thing which was not mine was the contact email and phone number and an incorrect race designation as XXXX XXXX. XX/XX/XXXX : Called PNC bank and initiated Fraud report and froze processing on the loan application ( talked with " XXXX '' ). PNC stated they would get back to me regarding issue. XX/XX/XXXX : Called FTC to initiate fraud report. XX/XX/XXXX : created accounts with all three credit bureaus and froze my credit reports and notified banks of fraud. XX/XX/XXXX : After no response from PNC ( including my multiple attempts to reach them ) I finally was able to reach PNC Bank Loan administrator ( XXXX XXXX XXXX # XXXX XXXX ). Notes from discussion : 1. Person completed on-line loan request with the following information : Name, Social Security #, Birthday, Current address, address of home which initiator was requesting loan against, and employment history. 2. PNC bank subsequently completed a credit report during their attempt to process the application and ADDED MY MORTGAGE INFORMATION, EXISTING LOANS, AND CREDIT CARD INFORMATION TO THE LOAN APPLICATION FORM. THIS INCLUDED COMPLETE ACCOUNT NUMBERS AND BALANCES for a number of the accounts. 3. PNC bank sent this additional information back to the loan initiator without any verification of the identity of the loan via email to the provided email address on the loan application which belonged to the suspect. 4. XXXX ( PNC Loan Officer ) sent a hard copy of the loan application to me at my current mailing address ( provided on the loan application by the loan initiator ) because she did not receive a response from the email and phone messages she had attempted contact with regarding next steps in the loan process which would have required that the applicant provide additional documentation such a pay stubs, utility bills, and other information that would have verified the applicants identity. 5. Per discussions with XXXX she stated that per the process, PNC does not provide complete account numbers in the loan request. But the loan request DID have complete loan and credit card account numbers. -- -- -- XXXXPNC BANK PROVIDED ANOTHER PERSON MY PERSONAL FINANCIAL INFORMATION 6. XXXX stated PNC would contact me by XX/XX/XXXX with additional information regarding how this happened. I requested specific information including : 1 ) Exactly what additional information was provided to this individual, 2 ) Why was providing this information acceptable without validation this was the correct person? XX/XX/XXXX : XXXX from PNC bank called me and stated they would not provide me any additional information regarding the fraud attempt and told me I should contact the credit report companies, my mortgage and the Credit card companies. She also refused to address any of my concerns regarding the disclosure of personal financial information by PNC and stated that the issue would be addressed internally. When I continued to request additional information and demanded to speak with a manager she stated a manager would call me in 1-2 business days then hung up on me. PNC Bank Information : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan # XXXX Loan Originator : XXXX XXXX XXXX
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: PNC sets extensive criteria for closing an account. Meanwhile, they charge {$7.00} per month for not closing the account. The bank should be forbidden to charge fees for or during closing an account. It is too difficult to sign onto their website and their system quickly signs me off automatically. It is very difficult to reach them by telephone and the representatives dont know what they are doing.
Company Response:
State: OK
Zip: 73507
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Several months ago I made a payment from my checking account to my credit card for {$200.00}. The bank did not automatically transfer the funds from the checking account, instead made a check for that amount and that amount has been floating around now several months. The local branch stopped payment of the {$200.00}, but it still shows in red on my account with a minus. Today I paid over from my checking account to my credit card, leaving a balance of {$130.00}, now I have red all over my my checking account saying I am in 'DANGER '' and overdrawn. They never credited the {$200.00} back to my checking accuont and the local bank is not doing anything so solve it. I want my {$200.00} back in my checking account. There should not be a minus {$200.00} on the side of my account. I should have the {$200.00} backas cash! This is very fruustrating. Thank you
Company Response:
State: AZ
Zip: 85375
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A