Date Received: 2023-05-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have an auto loan from PNC BANK, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called PNC BANK and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and PNC BANK with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XXXX of XXXX. There was an error on their part. I was never 30 days late.
Company Response:
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: PNC bank has almost {$20000.00} of debt on my credit report as well as an additional debt amount of {$8000.00}. This is not accurate and both of these are negatively impacting my credit. I only owe them {$7600.00} not {$28000.00}! I have reached out and I told them this they know this information and I can see they ran a soft report on me just last month without my knowledge and even after that credit check that wasnt approved by me they still havent changed this information. They sold my car and made almost if not fully 100 % of their money back but not only incorrectly reporting this information but then adds on {$8000.00} as a separate account.
Company Response:
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I own a house located within PNC 's footprint and I had a mortgage on that house with XXXX XXXX for two years. On XX/XX/2023, the mortgage was sold to PNC. MY WIFE AND I started the process of setting up an online account so we are able to automate our monthly payments so they are always paid ON TIME. After entering our user id and password, we WERE prompted to review the terms and conditions ( a legal document ) AND TO check the box IF WE accept these TERMS. When I downloaded the legal document to review, I discovered it IS AN ASTOUNDING 59 pages. Not only is this onerous on a consumer to have to read, there is no opportunity to request any changes to the document - - so if we check the box, we are bound to the terms and conditions whether we agree with them or not. On top of the document being 59 pages, the website limits the amount of time you have to review the document prior to accepting the terms. I am not able to complete reading a legal document of 59 pages within the time frame provided and feel like it doesn't matter, I have to accept the terms or I can't use the online services. I feel PNC is taking advantage of consumers since they know MOST PEOPLE CAN NOT PRINT OUT 59 PAGES AT HOME AND/OR no one will read the document in full, will get frustrated and so as not to have to keep coming back to register for the service, they will just click the button and be done with it. I am sending this prior to reading the full 59 pages so I can't say if there would be terms and conditions I would find unacceptable. I BELIEVE THIS IS YET ANOTHER EXAMPLE OF HOW BANKS AND OTHER BIG COMPANIES ARE TRYING TO COVER THEMSELVES BY SAYING " I TOLD YOU SO, WE DISCLOSED IT '' - IS THAT REALLY WHAT THE PUBLIC NEEDS - SHORTER, MORE CLEAN AND DIRECT PLAIN LANGUAGE ABOUT TERMS AND CONDITIONS WOULD PROTECT CONSUMERS - THIS IS ONLY PROTECTING THE BANK HELP- I DO NOT WANT TO CONSENT TO SOMETHING THAT COULD REALLY HURT ME
Company Response:
State: NJ
Zip: 08540
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I opened a basic debit account with PNC close to one year ago at the XXXX XXXX, MD, location. My living situation was turbulent and I did not have my affairs in order. Having not made the proper arrangements for all of my mail to be delivered to the same location. A consequence of this was that I was not reviewing my monthly account statement. By the time I began to have a consistent place to stay, it had been a long time before I was able to notice payments start to bounce, when I knew I should have enough money. I checked an ATM, upon noticing I am around {$160.00} short, decide to drive to the bank and review my statements with them. I found {$510.00} of fraudulent recurring monthly payments dating back as far as my available statements did. Which I believe was XXXX of 2022. I attempted to login to the website of where the charges were coming from, but no login that I have ever used worked. This is an area where I am very consistent, so not knowing the password or username was a very obvious sign to me that somebody else was using my card. As well as confirmed that I, in fact, did not recognize that business at all. Upon review of these observations, I produced my findings to the fraud department of my banking institution. The first call " mysteriously dropped '' towards the end, even though the sounds my phone makes when a call is manually ended and when a call drops are distinct. I redo the entire process again the second call, and my card is cancelled and a new one reissued via mail. I receive no less than five letters from PNC denying my fraud claims before I have to drive back in to the bank again to physically be printed a card instead of continuing to wait for it to be mailed to me. I was told 3-5 business days, and it had been 9 when I made an appearance. Gas and food were getting tricky after so long without access to my own money. The letters did not enlighten me at all as to why most of the claims were denied. All I know is the fraud department failed an open and shut case very quickly after dodging my first attempts at reporting the fraud in the first place. I do not want to just outright say that they are somehow finding a way to steal from me with this mysterious recurring charge that nobody can figure out anything on. I will outright say, however, that they made the reporting process a nightmare and did nothing to prevent somebody else from stealing from me. I do not feel comfortable with them handling my money anymore. I have been banking with them for less than a year. I intend to close my account with them in XXXX after a payment plan through them has transpired. If there is a way for them to deal with some sort of consequence for losing my money when the point of a bank is to store it and and then attempting to deny that it even happened, it would help me sleep at night.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Applied for PNC BANK was denied dont know reason why
Company Response:
State: TX
Zip: 78758
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX XXXX held my primary mortgage, PNC holds my HELOC. I was widowed on XXXX of XXXX and became a single parent of my XXXX old daughter. In XXXX, I was laid off due to COvid. In XXXX, I became severely XXXX and had to get my toe cut off. I was unable to stand for over 6 months and denied unemployment or workers comp inorder to keep my health insurance and have my medical bills paid. During all of this, for the past 4 years, I have constantly, consistently and purposefully remained in close contact with both XXXX & PNC to request Mortage Forebearance and Mortgage Modification. I have begged them to settle with me for a discounted payoff. Over the 3 years, I have placed more than 50 phone calls and completed their forms and sustained constance abuse of both entities asking me to resubmit, stating they never received the applications, something was missing that they needed but they never told me. In late XXXX, after being blindsided with foreclosure papers from PNC ( while I had been calling them weekly to learn if they'd accept a loan modification ), I was referred to Illinois Housing Assistance. I have submitted an application for financial yet they say they have reachecd out and need info from XXXX XXXX. XXXX XXXX says they never received IHAF request. Conveniently, XXXX XXXX has just sold my loan to XXXX and they say they haven't received any request from IHAF. However, everyday when I call IHAF to see if they can award me some support, they claim neither of the 3 creditors have responded and they will not accept the information from me. I have over 75 contact dates, phone numbers, case numbers. I have now just received a letter dated XX/XX/XXXX that the new loan agent of the XXXX XXXX Mortgage, will begin foreclosure proceedings in 33 days from today. I can not explain the discrimination and abuse I have endured in trying to make ends meet and to not default by staying in constant contact and providing every single notice of doctors appointments, and medical records. I have dates, records and the best news it, both XXXX and PNC have taken all calls from me and my advocate on recorded lines which you can obtain for proof of my hardship and pleadings to them.
Company Response:
State: IL
Zip: 60517
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2023 I filed a complaint on PNC BANK because of the inaccurate information I seen on my credit report regarding a repossession. On XX/XX/2023 XXXX XXXX the Executive Client Relations ask if I can reach out to her and I responded to her email immediately. I called no answer or response to my email I sent to her and it XX/XX/2023 she still hasnt reach out or responded. She knows PNC BANK violated my rights as a consumer and FCRA under state law. If this repossession is in collections why is the original balance reflecting on my credit report. After a car is sold a consumer dont owe that original balance anymore. Why isnt it showing that this account is in collections? Why is this reporting inaccurate information on my credit report and why wasnt the documents I requested sent to my mailing address. I feel PNC BANK do this to a lot of people because they didnt think I will catch the scam they are trying to pull on me. I want this removed from my credit report immediately due me the inaccurate reporting information.
Company Response:
State: IL
Zip: 60438
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage was transferred to PNC Bank several months ago. My original mortgage was not subject to refinance or escrow cancellation fees. I recently paid PNC Bank to reappraise my house and remove my PMI. I also asked the bank to remove my escrow arrangement because the bank greatly overestimated our tax and insurance fees for the upcoming year. PNC Bank agreed to remove my escrow, but only after I pay almost {$600.00} in fees. I called PNC Bank to inquire about these fees. I explained that I did not agree to these fees. However, the first representative I spoke with was very rude and dismissive. I was told that the fees were extra expenses applied by the bank, and that nothing can be done to waive the fees. I also asked PNC Bank to provide contact information for its legal department, so that I may communicate with the bank regarding this issue. Two separate PNC Bank representatives failed to provide this information. I was also told that a member of the PNC Bank escalation team would contact me within 48 hours to discuss this issue. However, nobody from the bank has contacted me. I believe that PNC Bank is acting in bad faith with regard to my escrow cancellation. Please let me know what further steps I can take to pursue my claim against the bank.
Company Response:
State: TX
Zip: 77096
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Fraud or scam
Subissue:
Consumer Complaint: On or about Friday XX/XX/2023 I went into the PNC Branch XXXX XXXX XXXX. XXXX Pa XXXX. And once again the Bank Teller XXXX vindictively XXXX up my deposit which was supposed to go into my Money Market / Savings Account as makes on the deposit slip. However instead she sends it to another account. And shes the most unprofessional bank teller Ive ever known because Im not there for a show n tell
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was quite surprised on XX/XX/2023 in paying my first PNC Core account statement ending in XXXX online through PNC 's portal, it advised my payment may not be processed for up to three days. The due date was the same day, XX/XX/2023. I can transfer funds through any one of my six PNC accounts with the transfer happening instantly. Why not here? I had no notification of such a delay with an internal PNC credit card payment. My first payment was due XX/XX/XXXX. I made that payment before XXXXXXXX XXXX on XX/XX/XXXX. Per the slow posting time stated on XX/XX/XXXX at XXXXXXXX XXXX EST I made a call to customer service at XXXX and PER MY REQUEST I WAS ASSURED NO LATE FEES OR LATE CHARGES WOULD BE APPLIED. Per a USPS letter from me to PNC on XX/XX/XXXX, I required that the {$27.00} late fee and {$1.00} minimum interest charge be reversed. Per PNC 's USPS letter to me on XX/XX/XXXX, PNC indicated the payment was not received on the due date and the late fee and finance charge were correctly assessed to my account. I completely object to this conclusion.
Company Response:
State: IN
Zip: 46077
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A