Date Received: 2023-12-14
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My tenant deposited the security deposit and rent in my account on the XXXX, XXXX, and XXXX. All her checks were returned. Since rent is late and the bank told me her checks were returned due to insufficient funds. I filed for eviction and filed a police report because her checks bounced. Today I logged into PNC and my balance is XXXX. PNC informed me they're closing my account because of my tenants activity. I am not associated with her so I don't understand why my account is getting closed. I'm confused how a bank even allows a person to deposit multiple bad checks without verifying funds while at the bank. The bank should arrest her, but I am pressing charges on her. I've been a landlord over 15 years and have never experienced so much unprofessionalism a bank. PNC told me they don't press charges for small amounts. Ridiculous. But closed my account instead.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Closing on a mortgage
Subissue: Trying to communicate with the company to fix an issue with the loan closing
Consumer Complaint: I had a home equity loan. I paid it through my PNC online portal, and it showed the interest and the principle. In XX/XX/ I paid off the amount the online portal said remained on the loan. The balance said XXXX. In XXXX I received an email saying that I'd missed a payment on the loan. I called and was told I owed {$67.00} in interest remaining and that I could pay it online. This was untrue. There was no place online where this interest showed up, and the account balance for the home equity loan showed as XXXX. I was told I was also being charged for closing the home equity account. But I WAS NOT closing the account, I just paid off the remaining loan. I was then told I needed to go to a bank. I went to XXXX branches. My main branch apparently closed - no notification. I went to the second branch and they had gotten rid of all the tellers. I called again in XXXX and asked them to waive the interest considering the amount of trouble I had gone to pay the interest. I was told instead that ANOTHER fee had been added but that if I paid by check they would waive the extra fee. They said they would put in my request to waive the interest and someone would call or write me back within a few days. No one reached out. On XXXX XXXX, I sent a check through my bank to my bank for the interest of {$67.00}. I then received another letter saying I owed {$170.00} - interests and fees and another {$50.00} listed as " other fee. '' I don't know what is going on with this bank. They refuse to do anything in writing and only call - and then I have no record of them giving me the wrong information, as has happened both in this situation and in the last situation regarding the credit card ( which, fyi was not resolved. ) I do not want to do things by phone. I want them in writing. I have been a member for more than 20 years and never had any problems until the past few years. I don't know what's going on, but they are clearly having some serious communication issues.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I was charged two overdraft fees on a single date. This action is contrary to my banks policy listed on their public website which states that customers can not be charged two fees on one date. Please check attached files and summary from website below. A maximum of one {$36.00} overdraft fee per day for PNC 's Virtual Wallet customers who are in Low Cash Mode on the Spend account. A maximum of four {$36.00} overdraft fees per day for all other accounts. No nonsufficient funds fee. At least 24 hours to bring your Spend account balance to a minimum of {$0.00}.
Company Response:
State: PA
Zip: 15217
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Struggling to pay mortgage
Subissue: An existing modification, forbearance plan, short sale, or other loss mitigation reli
Consumer Complaint: I was sick in XX/XX/. I had XXXX XXXX & requested for Forbearance from XXXX XXXX via PNC Mortgage, Loan Servicer, but unfortunately, PNC Mortgage didn't forward me the rejection XXXX XXXX, the Investor of my Loan. I have Doctor 's Letter to support my statement & can be shared, if requested. It's very unfortunate that PNC Mortgage is Possibly violating Cares Act & may also involved in Possible Discrimination. I strongly believe that PNC Mortgage is behaving this with me because I am a Minority, Person of XXXX, XXXX XXXX XXXX XXXX. I want CFPB to take action against PNC Mortgage for harassing People of XXXX & Minorities & not proving requested relief as per the Cares Act & start an investigation by Department of Justice for possible Discrimination & possible violation of Cares Act. I filed the above complaint before & PNC Bank N.A . responded that I should get 18 Months Forbearance only but that is not True. I should get 30 Months Forbearance as per XXXX XXXX Guidelines but PNC Bank N.A . made False Statement to CFPB & an Investigation should initiate against PNC Bank N.A . by Department of Justice for making False Statement to the Regulators.
Company Response:
State: MD
Zip: 20906
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: As per my records, I have not yet received the remaining balance from my closed account. I kindly request your assistance in investigating and resolving this matter promptly. Please provide me with information on the status of the transfer or any relevant details that can help me understand the delay. I appreciate your attention to this issue and look forward to a swift resolution. If there are any forms or procedures I need to follow to expedite the process, kindly advise. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Company Response:
State: WA
Zip: 98512
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I hope this letter finds you well. I am writing to address a concern regarding the accuracy of my credit report. After a careful review, I have identified late payments on my credit report that I believe to be inaccurate. I am requesting your assistance in either removing or correcting these late payment entries promptly. I understand the significance of maintaining an accurate credit history and its impact on my financial standing. I am committed to ensuring the correctness of the information reported on my credit file. PNC BANK XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or PNC BANK customer service. XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. I kindly request a thorough investigation into this matter and ask for the removal or correction of the inaccurate late payment entries from my credit report. It is crucial to me that my credit history accurately reflects my financial responsibility.
Company Response:
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The Fair Credit Reporting Act ( FCRA ) emphasizes the importance of consumer reporting agencies handling consumer information with fairness, impartiality, and respect for privacy. This mandate is clearly stated in 15 USC 1681 Section 602 ( a ), which declares the need for " consumer reporting agencies to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' As a consumer, I have the right to protect my private information from being shared, as outlined in 15 USC 6801. This section states that " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Notably, the " furnisher of information to credit agencies '' qualifies as a financial institution under this statute. Furthermore, XXXX XXXX XXXX Section XXXX ( a ) ( XXXX ) restricts the circumstances under which consumer reporting agencies like XXXX and XXXX can furnish consumer reports. This section explicitly states : " In general, subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' nor the furnisher of information, possess written consent from me to access my personal information. Therefore, any form of implied or verbal consent, written or otherwise, is hereby revoked. Moreover, XXXX XXXX XXXX ( b ) ( c ) requires financial institutions to inform consumers about their " nondisclosure option '' before disclosing nonpublic personal information to unaffiliated third parties. However, the furnisher of information failed to inform me of this right. Additionally, XXXX XXXX XXXX ( a ) ( XXXX ) prohibits consumer reporting agencies from including " other adverse item [ XXXX ] of information, '' other than criminal convictions exceeding XXXX years, in consumer reports. This provision directly contradicts the inclusion of outdated negative information on my report without my permission. In conclusion, the actions of Early Warning, and the furnisher of information clearly violate the Fair Credit Reporting Act and my right to privacy. I demand immediate rectification of this situation, including the removal of unauthorized information from my credit report and adherence to the legal requirements outlined in the aforementioned statutes as well as XXXX $ per violation of the FCRA. Unauthorized Credit Inquiries and Inaccurate Reporting : Unauthorized Inquiry - //X ) : Violation : Unauthorized credit inquiry ; Fair Credit Reporting Act ( FCRA ) XXXX. Permissible purposes of consumer reports [ XXXX XXXX. XXXX ] Unauthorized Inquiry - //X ) : Violation : Unauthorized credit inquiry ; FCRA XXXX XXXX - Permissible purposes of consumer reports. Inaccurate XXXX ( Account XXXX : ) : Violation : XXXX inaccurate payment history ; FCRA XXXX. Compliance procedures [ XXXX XXXX. XXXX ] - Compliance procedures regarding accuracy and integrity of information. Inaccurate Reporting ( Account Number : ) : Violation : Reporting inaccurate payment history ; FCRA XXXX XXXX - Compliance procedures regarding accuracy and integrity of information. Unverified Accounts on My Credit Report : Unverified Account - ( Account Number : ) : Violation : Unverified account ; Fair Debt Collection Practices Act ( FDCPA ) Section XXXX. False or misleading representations. Unverified Account - ( Account Number : ) : Violation : Unverified account ; FDCPA XXXX XXXX [ XXXX XXXX XXXX ] - False or misleading representations. Unverified Account - ( Account Number : ) : Violation : Unverified account ; XXXX XXXX Code XXXX - Protection of nonpublic personal information XXXX XXXX Code XXXX - Obligations with respect to disclosures of personal information XXXX XXXX Code XXXX - Enforcement XXXX CFR Part XXXX - PART XXXX OF CONSUMER FINANCIAL INFORMATION XXXX Form of opt out notice to consumers ; opt out methods. XXXX XXXX XXXX Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. XXXX added to your report without your written consent could be considered Identity theft XXXX CFR XXXX Purpose and scope. XXXX XXXX XXXX Initial privacy notice to consumers required XXXX XXXX XXXX Form of opt out notice to consumers ; opt out methods Privacy Act of 1974 ( XXXX XXXX Code XXXX Personal Impact : These infractions have far-reaching effects that go beyond the financial setbacks including lose of job opportunities, denial of Housing and psychological distress they inflict. I have been unable to provide a stable environment for my family. Now 5 years of homelessness I'm looking for security and a fresh start. Unfortunately, the errors and disputed accounts on my credit record have turned this fantasy into a crippling ordeal. My family has been severely hampered by the difficulty to obtain advantageous financing, and my cosigner has suffered greatly as a result of excessive draft fees. keeping a loop of uncertainty alive and causing XXXX. This experience has diminished our emotional resilience and put our financial stability in jeopardy, which lessens the likelihood that things will get better in the future. Action : Given the recorded transgressions and the upsetting effects on my life, I beg the Consumer Financial Protection Bureau to take action and make these violations right. I fervently ask that the unlawful credit inquiries be stopped, that false information be corrected in reports, that the unverified accounts be thoroughly investigated, and that there be a monetary remedy provided for the aforementioned infraction. I think that consumer protection legislation have the ability to guarantee fair and just financial practices. By taking action against these infractions, you protect the integrity of credit reporting systems for all customers while simultaneously helping to restore my financial stability. I value your consideration of this issue and look forward to a thorough conclusion that upholds consumer rights and advances financial justice of XXXX $ per violation of the FCRA.
Company Response:
State: CA
Zip: 91364
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have had PNC since they came to Florida going on 20+ years. I have been a loyal client of theirs yet PNC has NEVER done any favors for me. They would not even give me a credit even when my credit showing 100 percent payment across the board. My compliant came when recently my income decreased and caused my balance to be low. PNC offers a service call the Low Cash Mode. It gives you extra time such as 48 hours to deposit funds before the item is posted and you're charged an over draft fee. When you log into your app or online banking, you can see the pending item and if you go to the menu you can see the item and the DEADLINE when the item will be posted or you need to bring the balance to cover the pending item. Lately PNC has been doing what ever they like. I had multiple items where it gives me a time let 's say " 36 hours remaining ''. What PNC has been doing was just randomly returning the item before the time is up. Itll be same day even they just return the item. What is the point to even have this if you're going to just randomly returning item? POINTLESS feature isn't it! When confronted PNC of this, their reply was " it's up to our discretion to either pay or return the item ''. Though that is ultimately the banks decision. If you give the account holder a timed deadline, no decision should be made for the account till that time! What's is worst? now PNC is doing the opposite! On the week of XX/XX/XXXX. I had a utility item that caused my account to be over drawn. I did not put in the funds in time and I end up getting an over draft fee. On separate day I got another utility charge that came in as pending and the Low Cash Mode kicked in and gave me a timed deadline. XXXX the morning of XX/XX/XXXX it is showing I had " 5 '' hours still yet my PNC decided to paid the item and post it with an over draft fee already! So instead of using the discretion clearly that my account was over drawn and has an over draft fee, they all of sudden decided they wanted to pay the item and charge another over draft fee!. This is unethical behavior and it will be my last encounter with PNC. I have incoming funds coming in and I will be taking my funds to another bank as this is behavior is something that is not acceptable.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My recent experience with PNC : I've had this credit card with them since XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), have multiple accounts with them and a lot of money in and out of there - business and personal accounts, checking, personal loan, etc. They cancelled it without warning - I only found out because it was declined at a store. I had a {$1000.00} limit on the card and a balance of {$0.00}. The credit report indicates it was closed XXXX XXXX XXXX. I called yesterday and was told they couldn't tell me why it was cancelled but it was likely due to inactivity. I last used and paid off the balance in XX/XX/XXXX and have not used it since. It's currently XX/XX/XXXX and I haven't received a letter. I've made multiple calls, my complaint was sent to escalation ( with a 24-48 call-back guaranteed ) on XX/XX/XXXX and was called back within hours saying they would not reopen the account. There is no record of a document being provided to me in my account history and now I have no access to past statements to verify their records are correct.
Company Response:
State: OH
Zip: 45212
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I wrote a check to the IRS in XX/XX/XXXX, payable to US Treasury. I brought this check inside the Post Office, not in any mailbox. In XXXX the IRS sent me a letter asking for payment, plus penalties and interest. I paid them again. I asked PNC Bank to investigate on XX/XX/XXXX. They said I would be reimbursed at the end of their investigation, which could take up to 120 days. My checking account was attacked after that multiple times, causing me to close it and open a new one. The 120 days ended and I was not reimbursed. I was then told it was 120 business days. The 120 business days ended on XX/XX/XXXX, and I was still not reimbursed. Their only answer is that the investigation is still " in progress ''.
Company Response:
State: PA
Zip: 19020
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A