Date Received: 2023-04-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I spoke to the assistant bank manager regarding depositing ERC checks that came to my company XXXX XXXX XXXX XXXX XXXX. I already had an account with PNC under the parent company XXXX XXXX XXXX XXXX. I had the paperwork with me to open a new account for XXXX XXXX XXXX, so I can deposit the IRS ERC checks. He spoke to his bank manager about depositing it in XXXX XXXX. The bank XXXX told me that since the check was made out to XXXX I can make the deposit, I did the deposit on XX/XX/XXXX and the funds was released on XX/XX/XXXX. My account was frozen on XX/XX/XXXX, and I was told that it was under review. After, many attempts to get answers I am still being told its still under review. I have supplied all the documents requested by PNC, and I still have not access to my funds, 20 business days and I am still waiting with no answers. My small business has shut down because I can not access my funds to pay salaries, insurance, rent, bills, etc. I have no idea how long this will take before I can get my funds. The landlord already sent an eviction notice for unpaid rent. Please help, I have to pay my employees Thank you for your help. Respectfully, XXXX XXXX
Company Response:
State: GA
Zip: 30087
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS! UNDER ACT 15 USC 1681 SECTION 602 SAYS " I HAVE THE RIGHT TO PRIVACY ''. 15USC 1681 SECTION 604 A SECTION 2 " IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT ANY WRITTEN INSTRUCTIONS ''. UNDER 15 USC 1666B " A CREDITOR MAY NOT TREAT PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE ''.
Company Response:
State: TX
Zip: 76051
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: This in response to a previous dispute response from PNC. I spoke with XXXX XXXX, XXXX XXXX Relations. PNC XXXX XXXX XXXX. For starters, she specified per their policy starting in XXXX, states that they dont report to credit bureaus if a bankruptcy is on file. She also stated not all their calls are recorded but their reps specify when you call that all their calls are recorded when you talk to PNC reps on the phone. Per my rights, and to recap ; PNC was reporting on my credit until XX/XX/XXXX. PNC appeared on my credit starting XX/XX/XXXX when they bought out BBVA. Under my rights, I still was not notified that PNC would stop reporting to the credit bureaus due to my bankruptcy. I never received a disclosure for this policy and due to the error on PNCs end and lack of documentation provided to me, this hindered my credit score. I was told via phone call from the credit bureau representative from your credit bureau investigation department that all they would need was the reaffirmation letter to start reporting back to my credit. I demand this phone call be reviewed and acknowledged as I was told all calls are recorded anytime I call PNC. I demand that call to be reviewed because I was provided this information from these reps. Overall, I was never informed that PNC was not going to continue reporting and caused my credit score to take a hit which resulted in a hardship for my livelihood. I need know where and when this disclosure was provided to me that PNC would not report to the credit bureaus because of the bankruptcy.
Company Response:
State: TN
Zip: 38117
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: My account was not overdrawn beforeXXXX on XX/XX/23 and I was assessed 3 late fees. I reached out to PNC and was not provided sufficient proof that my late fees were valid. In addition, there was a pending deposit. I received a notification that my deposit was made at XXXX XX/XX/23 from XXXX and then received a notification at XXXX that my account was overdrawn and needed to make a deposit.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I tried my best to contact these companies through the credit bureaus and I haven't gotten any response. It feels like I'm being ignored. It's been over 90 days and I've heard nothing. I don't know what else I'm suppose to do. There are a bunch of inaccurate accounts reporting to my profile.
Company Response:
State: TX
Zip: 77489
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Friday, XX/XX/XXXX, I visited my local PNC bank branch in XXXX, TX at XXXX pm. I have had my accounts there since XXXX. My husband and I arrived, I filled out the deposit slip to deposit cash into our savings account, I also filled out a withdrawal slip for the same account to obtain a cashier 's check since we were scheduled to close on our new home that same day. After I provided the teller our transaction tickets ( that we both signed ) as well as 3 forms of identification, my deposit was accepted. When the teller went to process the withdrawal, I stated I needed a cashier 's check, he asked that I write the payee on the back of the withdrawal form. I complied and handled him the completed form. He went back to his teller window, which was at the drive through about 10 steps away. He started to process the withdrawal then said, " oh you want all of it ''. My response was yes in cashier 's check form. He then went into the next room, where it sounded like he was on a personal phone call. He then came back and said he could not process the transaction as he could not verify the account. I asked him what that meant, I was completely lost, I did not understand why the account couldn't be verified as me and my spouse were standing right in front of him with 3 forms of ID and could have provided more had he asked. But instead, he proceeded to tell us that the account needed to be updated. Once again, I asked, " what does that mean and what do we need to do to get the account updated, I need that money ''. He then went back into the next room ( door open both times ) and we could hear him talking in a low voice - once again as if on a personal call again. He then came back and said he could not process the transaction and he had sent my account to the fraud loss and prevention department, I that I should receive a letter in the mail but did not know when that would be. I asked him if I could transfer the money into a different account from my app as we have FOUR total accounts with PNC. That is when he let me know that he, " WOULD NOT BE TRANSACTING TODAY. '' I asked him if he had flagged my accounts, he said I would need to contact corporate which mislead me into believing that he had frozen my accounts. At that time, he gave me his business card with corporates number written on the back. I then learned he was the branch XXXX. I immediate felt my consumer rights were being violated by him not explaining anything to me, by using his authority to withhold funds that had been in the account. Accusing me of committing fraud in his face. I felt personally discriminated upon, as well as my husband. I was unable to obtain our cashier 's check, we were not able to close on our new home. The emotional distress we both felt as we stood in the lobby with other bank customers listening to the whole situation, for us to walk out humiliated, empty handed - without our hard-earned money, without proper reasoning and once again not being able to close on our new home. I contacted corporate after we walked out of the branch, they were able to verify my identity and apologized for the branch managers actions, they stated they would look into my compliant and would follow up with the XXXX PNC office. I live XXXX minutes away from the XXXX branch location, but they asked if I could drive to the next branch which was XXXX miles away ( XXXX ) from where I live to obtain our funds. Which was also a monetary inconvenience to us. I received my cashier 's check after XXXX XXXX that afternoon. After the title company closed, in other words we did not get to close on our new house purchase. The embarrassment, humiliation, mental and emotional distress we still feel, and not to mention the discrimination we endured, no words can properly describe. I pray no consumer ever has to go through that. With my compliant, I hope this brings awareness to PNC of their XXXX they have on staff using his authority to violate consumer rights. Neglecting us of our hard-earned money, causing monetary and emotional distress.
Company Response:
State: TX
Zip: 775XX
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I already reported PNC bank last Friday but it disappeared... I said I didn't encounter the such case where the installment loan balance is variable. My balance is {$15000.00} and my first payment is scheduled for XX/XX/XXXX but every time the balance goes up now it's XXXX I would to understand what happened I know PNC is a great bank but steal the citizens money like that is unacceptable
Company Response:
State: PA
Zip: 182XX
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2022 I purchase a pre-own vehicle and was financed through XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I just received a copy of my credit reports and I have 6 additional hard inquires from : ( 1. XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX. PNC BANK-XXXX ). On the same date, and I never authorize any of these company to pull my credit.
Company Response:
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My XXXX XXXX account was compromised. The person that gained illegal access to my account purchased several games using the stored debit card information on the XXXX XXXX account. The four fraudulent transactions are listed below along with the dates they were posted to my bank account : XX/XX/2023 : {$74.00} XX/XX/2023 : {$29.00} XX/XX/2023 : {$74.00} XX/XX/2023 : {$63.00} I reached out to XXXX to have the charges refunded and to recover my account. I was able to recover my account, and was refunded for 3 out of the 4 transactions. However, XXXX refused to refund the 4th transaction, {$74.00}, claiming " Company policy does not allow refunds on games that were already downloaded ''. Since the person who fraudulently used my debit card had already downloaded the game, XXXX refused to refund me. I filed a dispute with my bank, PNC, and waited to hear back. An agent with PNC informed me that the dispute was denied. I asked for the reason and was told " You were already refunded by the vendor. '' This is not true. PNC is likely confused as to the total number of fraudulent transactions. I only disputed one transaction with PNC, {$74.00}, as the other XXXX transactions were already refunded by the vendor, XXXX XXXX. To summarize : 4 fraudulent transactions were made using my stored debit card information on my XXXX XXXX account. The vendor, XXXX XXXX, refunded 3 of the 4 transactions, but refused to refund the 4th. I filed a dispute with my bank, PNC, for the 4th transaction, but was denied. The disputed amount is {$74.00}.
Company Response:
State: PA
Zip: 179XX
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Security review closed the account from XX/XX/XXXX until XX/XX/XXXX from this time {$150.00} in fees have posted on the account while the account account was never able to be used. Upon calling the company several years ago when they initially close the account a representative told me that these fees would be reinstated since the account was unusable, I would have to just wait until the security review was complete. On XX/XX/XXXX a deposit had been made for the amount of {$1200.00} and {$220.00}. Upon confirmation with the unemployment office, these funds were due to be disbursed to XXXX XXXX with a 1099 form confirming this. I have to pay taxes on funds that I have never had any access to and PNC Bank lied to me and told me that these funds have been returned to the unemployment office on the XXXX of XX/XX/XXXX. Upon filing a complaint with the CFPB this year, PNC responded and stated that they have actually retained these funds and did not actually send them to the unemployment office. The unemployment office has notified me several times if the account has been closed, those funds should have been sent via check and if they were sent back to, as PNC had initially stated, those funds would have been rerouted immediately due to the nature of the funds. PNC Bank has retained funds and has not explained what they plan to do with them If the unemployment agency does not reach out and ask for these funds back. These funds should have been rerouted to the unemployment agency if they were due to be paid out to another individual. Any other deposit that did not have anything to do with the security review, should have been paid as stated. The amount of {$1400.00} was due to be paid out to me with a 1099 confirming this. PNC Bank should also return the funds that were made on the account for the monthly fees totaling {$150.00} for 30 months. I was able to receive a {$600.00} stimulus payment after the account had closed and should have been able to access the {$1400.00} as well. Had I not received the 1099 in the mail this year, I wouldnt have even known those funds were there.
Company Response:
State: MI
Zip: 49519
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A