Date Received: 2023-05-03
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. pnc bank XXXX XXXX infiniti fin svcs # XXXX U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: FL
Zip: 33054
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I mailed my personal check # XXXX to pay my charge card balance for approximately {$170.00}. The 'pay to the order of ' and 'amount ' was fraudulently altered and cashed by XXXX XXXX XXXX for {$9600.00}. When I was verifying my balance via the PNC Bank automated telephone system, I immediately went to the PNC Bank XXXX XXXX to report the money was missing or stolen funds from my checking account. I also filed a police report with XXXX XXXX Police department on XX/XX/XXXX. I have made numerous calls to PNC Bank and as of today ( XX/XX/XXXX ) they have not reimbursed my account. PNC has not provided any details of how this egregiously altered check which someone use white out to alter was cashed. I personally placed the check in the mail at the XXXX XXXX XXXX so am not sure how the check was stolen. I have had conversations with PNC Bank Fraud investigators who indicated it would take 120 days for them to complete their investigation. On XX/XX/XXXX my conversation with them ( XXXX in the Fraud unit ) indicated that another bank would have to investigate in order for my money to be reimbursed. I think this is ridiculous since this is now almost 6 months that my money was fraudulently removed from my personal checking account.
Company Response:
State: OH
Zip: 444XX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I was notified by PNC bank XX/XX/2022 that someone took money out of my checking account ending in XXXX. XX/XX/2022 someone took {$2300.00} out of my checking account through XXXXPNC Bank without my authorization. I received a call from PNC that I was to come to the branch immediately so that they could give me a new checking account. They said they would need to contact XXXX for the money back. Neither is willing to give me my money back. It's almost as if they are saying to me too bad this happened to you, but we are NOT going to help you get the money back. I explained to them that I am protected by the Regulation E act and by law they have to give me my money back. I was a victime of Identity theft last year as someone stole my social security number and they attempted to file for Unemployment benefits in PA. I am seeking a full refund from PNC bank. They need to stand by their consumers and protect them from this type of thing happening. I trusted them with my money and now I am being punished for being a victim of Identity theft.
Company Response:
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We filed a complaint with Consumer Financial Protect Bureau, CFPB Ref. No.XXXX, PNC Ref . No. XXXX. I went to provide feedback or rebuttal, and thinking that since the last day to submit the rebuttal was on XXXX XXXX, that I would have till midnight to submit it. When I logged in, the system would not allow me to provide feedback ( rebuttal ). So, I am filing the rebuttal as a new complaint and referencing the CFPC Ref. No. PNC 's Response was dated XX/XX/2023. I have attached the Rebuttal document with attachments, to an uploaded file.
Company Response:
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
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: On XX/XX/2023, I took my dog to see XXXX XXXX XXXX dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX I was not happy with the services provided and several days later contested the charges of {$180.00}. The vendor/merchant XXXX XXXX agreed with me and agreed to waive these charges entirely ( COPY OF EMAIL BELOW ). I submitted this proof to PNC XXXX XXXX XXXX XXXX, XXXX, Pa XXXX PNC BANK refuses to return the funds the vendor agreed to waive. This is clear violation of their terms of agreement regarding investigating disputed charges. HERE IS A COPY OF THE EMAIL WAIVING ALL CHARGES : XXXX XXXX XXXX XXXX XXXX To : XXXX Fri, XX/XX/XXXX at XXXX XXXX Dear XXXX XXXX, I hope XXXX is doing well with no changes due to his XXXX and that the XXXX like growth on the shoulder has healed. I am upset by your letter and invite you for a conversation. I will waive your bill as a gesture of good will. I have worked with four other veterinarians that have also used this first generation Cephalosporin topical on dogs, cats and horses, all as an extra label use. There has not been any contraindications with XXXX and or geriatric animals anywhere in my literature search or noted by the XXXX XXXX veterinarians I reached out to for this important information. This was chosen for ease of use and compliance of treatment. I realize your disappointment with your experience and again invite you for a conversation. Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX | ( XXXX ) XXXX | XXXX XXXX
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My XXXX XXXX mortgage loan is being serviced by PNC bank. XXXX XXXX XXXX substitation of collaterla procedure states the following '' The Borrower must initiate the release/substitution process by submitting a written request to the Servicer. Upon receipt, the Servicer must submit a release/substitution request package through the MAMP ... '' ( XXXX : XXXX ). After submitted my request to PNC, I was told that " PNC doesn't have a procedure for substitution of collateral requests for mortgages. ''
Company Response:
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
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: XXXX XX/XX/2023 my PNC card was declined for purchases. i call PNC to check on my account and was told my account had been frozen. I was told that someone in the Fraud Division had determined that I was a victim of fraud and that all of the payments ( which paid the cash advances and the balance of my personal charges ) that had been made from the person known as " the scammer '' would be returned. I will be responsible for the total balance on my card. XXXX XXXX I receive my daily balance alert from PNC and it is {$79000.00}. A day or two later " the scammer '' makes an ACH transfer payment to PNC and pays off the entire balance. I think it was on the XXXX XXXX that PNC closes my credit card account. The virtual wallet checking and savings account are frozen as well. My credit score has already dropped 200+ points XXXX XX/XX/2023 I spoke with several PNC divisions : Fraud, Customer Service XXXX Hardships, Disputes. I can't remember if there were any others. I talked to an agent named XXXX from the Fraud division the longest. He took down my information. He arranged for me to go to a local PNC bank where we could have a phone conversation with a bank representative present, to provide any help I needed with retrieving statements and documenting with them all of the fraudulent charges that were on my account. I talked with one person who offered me a one time settlement which would be for me to pay total amount charged with a 1.9 % interest rate ( over five years ) I never returned that call. I was talking with an agent from the Fraud division ; midway this person put me on hold and came back saying he was transferring me to the Dispute Resolution Division. I had no idea why. This new person informs me that because I made the charges personally, they were not determined to be fraud. Then asked me what transactions I wanted to claim as disputed ones. XXXX XXXX I talked with several departments again. While talking with the Hardships division ( not positive about that name ) and I do not qualify for anything since the balance is over the 120 % limit. Meanwhile, I am threatened by letters saying if I don't pay the minimum payment which is well over {$4000.00} they will increase the interest rate. XXXX XXXX I wrote a letter to PNC and mailed it on XXXX XXXX certified and return receipt informing them of the scam I had unknowingly been involved in and fraudulent charges were made during this time. I informed them that the legitimate charges amounted to {$11000.00}. I made a commitment to pay the legitimate charges and would pay {$1000.00} monthly until that amount was paid completely. At that time I included copies of all the statements that had fraudulent charges. These fraudulent charges include purchases of Visa gift cards, XXXX gift cards, XXXX transfers and BitCoin purchases. XXXX XXXX I made a {$1000.00} payment on my account XXXX XXXX I made a {$95.00} payment XXXX XXXX I made a {$1000.00} payment on my account. XXXX XXXX I mail certified/return receipt letter to PNC again informing them that I was a victim of elder abuse and fraud. That I would be paying the legitimate charges. I also indicated which agencies I have notified about the fraud, including XXXX Police department, national Elder abuse hotline, FBI, Secret Service, etc. I am asking that they would discharge the fraudulent charges. The collection department contact me about 10 days ago again. I explained again my circumstances and asked them to include anything new on my account. I have MANY photos and screenshots of receipts, gifts cards purchased, and pictures of Bit Coin atm screens showing purchases and the Bitcoin wallet account number. I will be including only the letters I sent to PNC but am willing to forward those if you decide you want to see them. this card info is a new account which the balance was transferred to ( ending in XXXX )
Company Response:
State: IL
Zip: 60505
Submitted Via: Web
Date Sent: 2023-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I used my PNC checking account debit card to satisfy a payment to XXXX, XXXX. My cell phone had failed. XXXX contracts with XXXX to handle their extended warranty service plan. I called XXXX, spoke with a person called XXXX, who agreed the phone was qualified for a replacement. The cost of replacement was {$99.00}, paid by debit card. The phone was to be mailed and arrival expected within 10 days. USPS tracking # XXXX was issued. I contacted XXXX for status and was told they could do nothing, replacement shipped. I contacted PNC and filed a dispute on XX/XX/XXXX, ie the merchandise not received. On XX/XX/XXXX, they requested more information, see attached. On or about XX/XX/XXXX, I received a secure message within my PNC account that the dispute was settled, the merchant didn't do wrong, no refund will be made. Same day, I called PNC for copies of the investigation documents, nothing received to date. If you check the tracking number, the merchandise is still in transit as of today, see attached.
Company Response:
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My full name is XXXX XXXX XXXX PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have a shareholder with each XXXX this bill had been paid off since XX/XX/2022 I want this entire bill paid off thru insurance or paid by cash in check from XXXX of these corporation and banks under my electrician sign XXXX XXXX XXXX PNC Bank an check issued out for payment and please confirm by email XXXX documents legal services proof that the bank has to full payment to o an to this full debt order number for payment XXXX if any other XXXX last ending social security XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: ME
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Dear Consumer Finance Protection Bureau, I am writing to file a complaint about my checking account with PNC Bank. Since XX/XX/XXXX, my account has been subject to a legal hold, which has prevented me from using it in any way. Despite this, PNC Bank has continued to charge a monthly service fee of {$7.00}, leaving me unable to close the account or access my funds. I believe that this is unfair and unjustified, as I have no control over the legal hold or my account balance. I have requested that PNC Bank refund the fees that I have paid for the past year and suspend future service fees, but they have refused to do so. As of XX/XX/XXXX, my account balance is {$240.00}, but PNC Bank continues to deduct {$7.00} per month, leaving me concerned about what will happen once my balance is depleted. Will PNC Bank begin charging me overdraft fees? I am disappointed that PNC Bank has not been more responsive to my concerns and that I am being forced to pay for a service I can not use. I believe that my account is being held hostage and that PNC Bank is unfairly benefiting from my financial hardship. Therefore, I would like to request that the fees for my account be waived, and that any future fees be suspended until the legal hold is resolved. I have included my account statements and chat transcripts with PNC Bank as evidence, and I would appreciate your assistance in resolving this issue. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A