Date Received: 2023-04-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: The complaint I have is for both my Equity loan account and my checking account with PNC bank. I enrolled into a fixed equity loan with PNC bank back in XX/XX/XXXX. I was also enrolled into a checking account to be able to transfer funds to pay my equity loan monthly. Since opening both accounts, PNC bank have changed there banking policies and practices. This was just brought to my attention by an employee stating they made changes in XXXX. I was not aware of these changes, which resulted in excessive fees being added to both of my accounts without my consent or knowledge for several years. I reached out to PNC Bank regarding my home equity loan and the statement showing a different balance from my online banking screen. I initially enrolled into automatic debit from my checking account, to have payments withdrawn from my checking account to pay my equity loan, but PNC bank terminated that process too without notifying me of such actions. I was unaware of the changes made by this financial institution, resulting in late payments to my equity loan account for several months. I was not aware until I received a call from a PNC bank representative, which was upsetting because the money was sitting in my checking account all along awaiting transfer which did not occur. I was furious, because this was the first time derogatory negative credit reporting had occurred to my credit report, which impacted my credit significantly. It has just been brought to my attention that PNC bank have been charging me a $ XXXX monthly fee for having less than {$5000.00} in the very checking account they opening to transfer funds to make my monthly equity account. There was no fees discussed or charged to this particular account when established. If changes and fees were going to be accessed, I should have been contacted/notified or the account should have been changed to a none fee account. I have had other accounts requiring much less money to maintain the account open, which gave me the opportunity to leave open or result in closure. PNC bank was well aware this account never had a {$5000.00} balance because it was established as an equity account and a checking account to deposit money into the equity account. I never used this account for anything other than the transfer of funds to make monthly equity loan payment, which is why it was established. I do not have a PNC bank locally, so I was advised by the banker that this was the best way to make monthly payments on my equity loan. Instead of changing the checking account to a more affordable checking account, PNC bank chose to charge me fees monthly knowing this checking account only had the money deposited into my account to meet my monthly equity loan payment. Again, the sole purpose of this account being established was to be able to transfer funds to make monthly equity loan payments. I was unaware PNC bank, made changes to charge my checking account for not meeting the limit requirements of {$5000.00}. When the account was established with PNC bank I did not incur such fees to my account. I have asked PNC to reimburse me the fees they have charged to my account and change my account to another account, but neither on has been done. I also addressed the charges I have been subjected to on my monthly equity loan statement. I have been paying my loan regularly within the guidelines to avoid late fees, but I am still subject to monthly late fees although my payment has not been late. My concerns have not been addressed and no one can explain why I have late fees on my monthly statement. I am in the process of refinancing my loan with another bank, but I can not explain why PNC has charged me fees on my statement which has never showed up when I pay my monthly equity loan. This is awful, and detrimental because it prevents me from receiving services elsewhere. PNC bank actions and information is false, malicious, and intentional which results in direct harm to my financial ability and worthiness. I have statements and documentation, showing account deposits and payments posting to accounts.
Company Response:
State: FL
Zip: 33810
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: This complaint against PNC Bank centers on its customer service and the banks total disregard to correct a banking error they mad. I have been paying bills through PNC Bill Pay for several years now and in mid XXXX I setup a payment to my credit card that was to be sent by XXXX XXXX. Due to the amount of the payment and with out notifying me when I set up the payment PNC mailed a check vice a wire transfer. The payment was received by the credit card company on XXXX XXXX vice the XXXX XXXX. Due to the late payment, I was charged a {$40.00} late fee, {$150.00} in interest and a late remark reported to the credit bureau. Since this time, I have filed three formal disputes with PNC and spent numerous hours on the phone talking to PNC Customer Service. Two of the disputes were rejected within ten days and the third was submitted a month again with no response. PNC is taking no responsibility for sending the payment late and is stating the {$190.00} in charges I received were from the credit card company and that only the credit card company can reimburse these charges. This in no way was the credit card companies fault, the payment was received late due to poor PNC processes, and they refuse to admit their fault and reimburse my account.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: PNC is a XXXX and Fraudulent Establishment that carries out Deceptive Practices internally with their participating dealerships. I am a XXXX XXXX who was kicked out of one of their branches in an attempt to make a payment on an Auto Loan. To this day the establishment has failed to address the incident. Upon Further Review Fraud at the Beginning of My Loan was discovered. My Credit application is in someone elses handwriting with signatures that dont belong to me. I have requested documents repeatedly and they recently responded to FL Dept of Agriculture to Say a Subpoena was needed in order to get access to the evidence. My Response and Continued Complaint are as Followed: I have reviewed the correspondence sent by PNC Bank and The Correspondence and have arrived at the following: PNC Bank: It has become clear to me that PNC refuses to Directly Correspond with me directly or DIRECTLY answer any of the concerns set forth in the complaint originally issued in XXXX XXXX PNC Continues to go around the issues and insists on withholding the documents and items requested. At this point the Institution is hiding and withholding all evidence that prove guilt in the matters of Discrimination and Fraudulent Practices which transpired between themselves and the Dealership as it pertains to my Loan. I believe at this point PNC Bank is holding enough evidence to prove the following: 1. The Handwriting on the Application for credit does not match the actual credit application I filled out or any of the documents that I have sent in that contain my handwriting (Money orders, letters etc.). I dont have to argue at all if that alone is taken to court or reviewed by a Financial Companies and Bank Regulating Authority. My Signature doesnt even match. 2. The Continues to Fail at Holding the Dealership Accountable which shows me that this was a Joint effort to insert the Fraudulent Occurrences which have occurred and now blatantly evident. 3. My Concerns from the VERY BEGINNING of my loan were never taken seriously. There has been no internal department to review such matters. Neither for Fraud nor Discrimination. I Furthermore dont even believe that PNC bank is in Possession of any of the items I requested being that most their employees were working from home with the turn of the pandemic. It has been said that a Subpoena is what they need in order to provide the items, then a Subpoena is what they shall receive. The Aforementioned Subpoena will come in addition to all necessary actions to address Discrimination, Fraud and Failure to Directly Correspond and Only Corresponding via complaint responses. 4. There have also been recent discrepancies that show me PNC Bank and XXXX XXXX Completed their own application and Fact of My Life and Status were never taken or considered from my actual and original consumer loan application. It doesnt take a Rocket Scientist to see that whats happening here is the silencing of Discrimination. If I were a bank and had a customer constantly calling to talk about an incident which made her feel uncomfortable and repeatedly told customer service representatives that she didnt want to be a customer of a XXXX organization. Id find a REAL way to reach out to her DIRECTLY and not send here XXXX Reps in Escalation who only continued to escalate the issue because there was no actual department that resolved Discrimination and XXXX Occurrences. I would even go as far as going to see her to make sure that her issue was resolved. I have been extremely kind about this situation in hopes that PNC Bank would take the initiative to remedy this issue without a Discrimination or Fraud Lawsuit. What you guys have done is refuse to hold yourself accountable for your own constructively deceptive, fraudulent and selfish reasons. The Problem with big establishments is they use manipulative tactics in hopes that the client simply Lets it go. I wont be letting this go. You are a XXXX establishment. The Ability for me to CONSTANTLY request the incident be reviewed, and lied to about it being escalated to a relevant department and NOTHING ever got done. Not even a letter of acknowledgement. In emails the reps who reached out in emails NEVER responded to me when I gave them times to contact me. This is an Establishment built on covering their asses. The Falsified letters you sent to CFPB that NEVER were sent to me prove that. The only correspondence I ever got from you are bills in the wrong name and even that was never corrected. Its crazy to claim I signed my correct name and viewed documents that had my actual name on there and you somehow end up with documents I allegedly signed with the wrong name. Come on now, thats a blatantly obvious sign something changed. Id never sign something with the wrong name or information I didnt agree to. Especially with someone elses handwriting. The responses covering the acts of fraud to negate the obvious actions only you could take in an attempt to pass the defective information is astounding. Miraculously my title paperwork says my correct name. Seems to me like somethings I actually completed made it to the appropriate place. My Registration didnt have the wrong name. That alone shows the paperwork submitted to the bank was swapped. This is far from rocket science. Even if my name was spelled incorrectly in Error, a handwritten application in another persons handwriting and signature isnt an error. You wouldnt have a car at my door if I didnt complete an actual credit application that wasnt qualified. Count the time it took to sell me the car. Less than 3 hours. So I know that my application was highly approved but there were add ons. Whats on the quote doesnt match what went on the contract. Dont waste my time with lies. The Problem is this bank and Dealership think XXXX folks are XXXX and have all the sense. I know exactly what made you guys THINK you could do this foolishness. XXXX XXXX XXXX XXXX NOT AN XXXX The Dealership clearly XXXX my application up (Which is Blatant Fraud) and even named me XXXX vs. XXXX There are so many cause for concerns with the Sale, Transaction and Loan at this point that maybe a Lawsuit to Subpoena the records may be the best route to remedy the ISSUES between us. Who in their right mind wants to be a customer of an establishment that kicked her out because she was too XXXX to be one of your XXXX XXXX XXXX XXXX customers? Cant even get a Proper discrimination complaint submitted. I lived 5 Minutes away from the Branch. Maybe PNC Bank or XXXX XXXX and All affiliated Companies shouldnt be operating businesses in the state of FLORIDA as Florida has laws and statutes which do not support racism or discrimination in any way shape or form. The Comptroller of Currency, Federal Reserve, Human Rights, EEOC and Many other Regulating Authorities make this clear. You have the AUDACITY to write to me to even utilize the Verbiage Attempt to collect a Debt. I hope my correspondences from the day this incident occurred (Which Im sure you have tracked down and deleted from your records) has made it clear I have the right to pursue damages, emotional distress along with the pain and suffering Which resulted from the incident. I made that clear with my attempts to get out of the loan without penalty (This was me being fair). Even when the opportunity was on the table to agree Id made the catch up payment and simply provide the dealership with the exact payoff amount given the ability I had at the time to Trade the vehicle in. XXXX XXXX made sure I remained entrapped in the loan and continued to repeat I was in default and in repo status causing me to have an occurrence of sensory overload since I already suffer from. I have requested the records, recordings and surveillance to advocate for myself and PNC bank has gone against that by repeatedly Claiming Those records cannot be produced without Subpoena meaning that the Establishment is Challenging the Consumer to Pursue a Lawsuit vs. Remedy the issue independently. I sent my initial complaint in XXXX We are now in XXXX NONE OF WHAT I REQUESTED HAS BEEN PROVIDED. Yet what YOU HAVE DONE, is CONFIRMED my initial speculations that there was something done on the back end with this loan which caused the price to increase and my name to change. I also SUSPECT That you illegally misused government awarded money issued during the pandemic based on the paperwork which you have sent to me. I have NEVER received the vast majority of those letters and there wasnt any assistance given to me by FEMA. Its Strange to see how you have your letters NAMED. Because youd think that your establishment provided REPEATED assistance to me. I had 3 ongoing hardships. 1 Losing my Business Consulting Contracts During the Pandemic. A Health-Related Hardship and A Natural Disaster Displacement. The last resulted in a Family Member Passing away due to the flooding. Where I was required to pitch in and aid with Funeral Accommodations. Despite losing my Home and a Family Member I was never approved nor denied. You guys NEVER Sent me Direct Correspondence and I have the USPS service Informed Delivery Which can be utilized to back that statement up. I never even got a welcome packet and full terms or disclosures with my loan. The Most tactless Financial Transaction I have partaken in throughout my entire adulthood. NOTHING is ever documented or in writing. One of my biggest issues with this institution. The Representative Responding to this Complaint reached out to me Via email and I emailed her back. NEVER did she respond to me. This Company knows EXACTLY what they are doing. The whole company is a FRAUD. What are they really doing? Their Issues are not ERRORS its internal FRAUD as they benefit from IT ALL. You (PNC) threw me out your branch discriminating against me after committing fraud with the XXXX XXXX Auto Dealership Inflating my loan with products I did not consent to along with misrepresentation of my vehicles warranty in order to push the deceptive practice of adding a non-factory warranty. I still have the window sticker which says I could inquire about an outside warranty WHICH I DIDNT DMV records will show you I was already an XXXX Owner and Familiar with the Warranty being 5 years on all XXXX (Which the Dealer Failed to Disclose and The Bank Failed to Review, That within itself is a misrepresentation) so I wouldnt need a 3rd party non factory warranty that wouldnt out live the manufacturers warranty. This is something you agreed to check for on all Auto Sales Transactions in order to service auto loans in Florida and Failed to Investigate even after I told you something had changed on my loan when I made the first payment. This Bank is Clearly FULLY AWARE of all that they have done. What was the reason to NOT respond to that but jump around to respond to every regulating authority to Appear as though you have a standing position or a good position of prior correspondence with me. Your Establishment is a XXXX Organization whose ethics are flooded and stained with Fraudulent and Unethical Practices and Business Affiliates. I Stand on Everything I Said, and I am STILL REQUESTING ALL ITEMS Previously requested. Since the ONLY WAY to Acquire Said Documents is through a Subpoena, Supply where I should have it served along with any and all correspondence for your legal departments. I am going to deem this scenario as the Following: 1. Breach of Contract 2. Fraudulent Credit Application(s) 3. Discrimination in a Public Place of Service 4. False Documentation of Pandemic and Natural Disaster 5. Refusing to Correspond Directly 6. Refusing to Furnish Requested Documents and Items 7. Maliciously Manipulating and Altering Credit History based on Failure to Keep Legitimate Records I will summons each in the appropriate regulating authorities, commissions, local governing counties PNC and XXXX XXXX Do Business, Any Relevant Media Outlets and All Relevant Court(s). You clearly dont seem to understand when a person doesnt want to be a part of a XXXX consumer and financial company relationship. I am not and wont be willing to mediate anything with your establishment outside of the courts with the outcome of a Jury Trial from this point forward. You guys understood what was being asked of you and I will not allow you to go around the issues any more. Due to Failure to Provide Accurate Resolutions, I am requesting Cease and Desist on all Telephonic and Electric Correspondence and am requesting all correspondence in Writing to submit for Review for Future Court Proceedings as it has been shown all correspondence electronic and telephonic are potentially being hidden or destroyed to protect PNC Bank. Im 1000% sure there were numerous employees that escalated the issue but we can all do things Your Way. The Last thing Im going to do is argue with a Financial Institution that has a completely different credit application not in my handwriting with documents I didnt even sign. The Evidence speaks for itself. You can either START telling the truth NOW or it can be brought forth in court with Subpoena and analyzation of actions and documents providing evidence. A Subpoena is needed to prove you discriminated against me? By Default you should review that and do your due diligence as well as make sure I am apologized to a remedied. NOT IGNORE ME and SABOTAGE MY Credit. You're out to paint me to look bad when the government, states and local laws go against discrimination and XXXX acts against consumers. You're simply covering your A_____ and trying to smear my name and account history to do what "Silence me"? YOURE A XXXX ORGANIZATION who sabotages and manipulates people of XXXX and dont deserve to be in business ANYWHERE.
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In negotiating with PNC credit card the agreement was that if my debt is paid in full {$0.00} balance there would be a paid for a debt deletion/removal from my credit report. Im writing because I noticed that my most recent credit reports contain the credit card charge off reported in XX/XX/2023 close account charge off paid {$0.00} balance. PNC Credit Card Account numbers ( last four digits ) XXXX XXXXXXXX Charge Off -- Paid {$0.00} Balance '', they were never removed as promised. I called PNC credit card dept. and the lady said it would be removed in XX/XX/2023, but its now XX/XX/2023 and its still reporting on my credit report. My deal with PNC Credit card was pay debt for deletion for removal off my credit report update all 3 credit bureaus. - Im planning to apply for an auto loan, and its come to my attention that the charge off accounts on my record could hurt my ability to qualify even if at {$0.00} balance. Me and my family need a reliable family vehicle for me to go to work and for my kids to go to school. PNC need to do right by the paid for deletion report to the credit bureaus. Please help me.
Company Response:
State: GA
Zip: 30004
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Periodically, usually in the evenings, I am not able to log in to my online banking, and the mobile banking is often not working. When I try to log in to my online banking, after I enter my password it gives me a screen saying it needs to verify my identity, which doesn't work. The first time it happened on XX/XX/XXXX it really scared me because it showed two phone numbers - mine and some completely unknown number. I was terrified and thought I was hacked. I called the bank next day, they fixed the log in, but couldn't explain where the number came from. I was not getting a log in code no matter how many times I clicked the button requesting it. Tonight XX/XX/XXXX at XXXX PST again I couldn't log in to my online banking. The problems with the log in were : 1 ) unable to select radio button to choose verification methods, 2 ) ignoring the fact that I requested to remember my computer and not to make me go through this again ; 3 ) I kept asking them to send the code, but they never sent it ; 4 ) there was a message on the screen saying that they called me with the code, but I got neither a text or call. I tried to log in from different browser, and from my phone, all attempts unsuccessful. Then I tried to check my balance calling the XXXX number, which according to PNC is supposed to take me to my account 24-7, but it did not. It did not allow me to access my account either. I should be able to log in to my online banking or call anytime day or night without such issues! I spent a couple of hours each time this problem happened trying it over and over. It also causes my considerable anxiety that i can't see that my money is safe.
Company Response:
State: WA
Zip: 98405
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I set up a new account with PNC Bank. They signed me up for a service which I later cancelled. It was during the free trial period. I reached out to PNC explaining that I was still being charged for the service and that I was also incurring a monthly maintenance fee. I was told by the representative it would be corrected and my funds would be refunded. They were not. The representative had emailed me her information previously. When I reached out to get to let her know that I had not received the refund, she ignored me. She has never responded. PNC has people sign up for items and then holds their money hostage when we cancel the service during the trial.
Company Response:
State: NJ
Zip: 07030
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I have an account which all over the documentation and over a recorded line mentioned to me as well as in person when I opened it up that if I leave {$500.00} in my account there will be no service charges or fees. I do not have to do anything swipe my debit card or do any transactions and I will NOT be charged any fees or service charges on the account forever. I spent 2 weeks for them to refund my fees for an illegal service charge placed on my account on XX/XX/XXXX after XXXX year from my account opening date. I was not notified of any charges being done my notifications were shut off and I am sure I set up alerts countless times. Then after that for 1 year they kept taking account fees. I just got my account refunded last week on Friday XX/XX/XXXX and I look into the account again there is another Illegal Service charge. It took them over 2 weeks and many many calls and I am frustrated I have lost at least XXXX dollars of income during these calls and the frustration of keep following up with them is just too much Stress. Below is the history of the account. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$15.00} {$480.00} XX/XX/XXXX {$500.00} Active Balance since XX/XX/XXXX This is with PNC Bank and it is a business checking account I created in XXXX of XXXX.
Company Response:
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I mailed checks to an associate for {$10000.00} on XX/XX/XXXX. XXXX the check was stolen from the mail and deposited on XX/XX/XXXX at a bank in XXXX XXXX XXXX NJ on XXXX XXXX. I filed all of the relevant reports and affidavits with the Bank ( PNC ) and local police. I filed the affidavit with the bank on XX/XX/XXXX along with the relevant police reports in XXXX, KY and XXXX XXXX NJ. I have called PNC several times since for about a month regarding this issue and they have yet to refund my account for the stolen amount. I have escalated this issue with PNC 's fraud and complaint division. Both were either unresponsive and or unhelpful. They told me i would have to wait up to 120 days for an issue like this to be resolved. In the meantime, they said they were not going to give me even a provisional credit for my account. I have had to do all of the followup with this including with police with several jurisdictions and PNC has not been able to assist with this issue or even give me information about this issue
Company Response:
State: NY
Zip: 11201
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I'm a XXXX*** on XXXX. I had a couple of different occasions where. I got large? Amounts of money and the money basically except for the XXXX was with a lawsuit and it's the 1st time that. I had that amount of money and I kind of lost track of it but I filed all kinds of disputes going all the way back to probably XXXX but. I was cut off there which it's terrible. I've been trying to get through and I have been told certain things was going to happen and nothing happened. I talked to supervisors supposedly but never really actually got any with PNC bank. And was told by several workers that things were done wrong and they absolutely refused to give me any of my money back. It's sufficient amount of money. It's not my fault all the way around because I wasn't getting any of my papers that told me what my account was doing the activity. They kept turning the notifications off. My password has been change that. I've just had a little nightmare and I've had people go weeks and they talk about how the amount of time you have to report well also on my. Papers it says that I have 0 liability for fraud to report in prompt time. I don't know what they describe as proper. I've time I haven't been treated fair at all nobody 's giving me any. Answers telling. Me? Any. Status updates or anything. It's this has been a major nightmare well over XXXX if not more has been taken from my account and it's about to really send me over the edge with my XXXX XXXX and I don't know what. I don't know what to do anymore.
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, PNC Bank account # XXXX, has violated my rights! 15 USC 1681 section 602 states : I have the right to privacy. 15 USC 1681 section 604 a, section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b : States A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A