Date Received: 2020-09-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am struggling to take care of my family of XXXX I am only the one in the family economically active. working 40 housr a wek and still make around XXXX or less monthly I have a mortage loan of $ XXXX/month and an auto loan of $ XXXX/month. I have a XXXX XXXX who needs adult ' attention 24/7. also due to this pendemic my spouse looses her job. my financial agency suspended my loan pyment for a period of 6 ( 3+3 ) months which will be resumed in XX/XX/2020. but still I am financially not ready to come back in track. what could be my best possible choice to go ahead? Thank you in advance for your kind and constructive suggestion to comeout of his financial hardship. Hoping to hear back soon thank you.
Company Response:
State: OH
Zip: 43004
Submitted Via: Web
Date Sent: 2020-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I purchased something on my debit card totaling {$850.00} XXXX XXXX XXXX XXXX on are about XX/XX/20. The merchant failed to deliver the goods or the service. I contacted pnc on XXXX to dispute the transaction. They have failed to act or do anything to resolve this issue. The case number PNC provided is XXXX
Company Response:
State: NY
Zip: 11210
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-23
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Hello, On XX/XX/2020 I made a purchase from the company XXXX XXXX XXXX in the amount of {$1100.00} for a swimming pool and a swimming pool liner. On XX/XX/2020 I received an email from XXXX XXXX at XXXX XXXX XXXX saying my order for the pool was cancelled and I would be receiving a refund. It was not in stock due to COVID-19. I did receive one piece of my order so the refund would be {$1000.00} for the swimming pool. Some time passed and XXXX XXXX XXXX wasn't able to tell me when I would receive the refund. They stated their refund department was backed up and they didn't know when they would get to it. Due to the uncertainty, I filed a dispute with my bank to assist in getting the refund. I did this on XX/XX/2020. On XX/XX/XXXX and XX/XX/XXXX, I faxed a questionnaire to PNC Bank as they had requested. I included the questionnaire, a receipt of purchase, and the email from XXXX XXXX saying my order was cancelled. I did not hear from PNC Bank until the beginning of XXXX when I received a letter saying they denied the dispute. I called to ask why the dispute was denied, and they stated that they didn't receive the paperwork. I have the fax receipts showing they were delivered. On XX/XX/2020 I called PNC Bank to dispute the transaction again as they have taken the money back from my account. Since then, I have not been able to get any information concerning my dispute. When I call to check on it the only response I get is it is in process. At this point I have not received any paperwork or followup from PNC Bank.
Company Response:
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am disputing the late payment mark made to m I opened a credit card with PNC in XXXX of 2020 and asked to have online banking set up to make payments. My job and family are very demanding therefore I don't have time to do much so online banking is the best way for me to pay bills. PNC issued my card and online PIN to set up online banking via mail XX/XX/2020 but the PIN number provided to set up online banking did not work. I called and spoke with someone regarding the PIN number not working to activate my online banking and they walked through everything with me and said the best way to fix it was to send me another PIN. I agreed to that. The team member issued be 2 PINS which were received and didn't work. I am assuming they didn't work because 2 PINS were sent out for the activation of online banking for 1 customer. On XX/XX/2020, at XXXX XXXX EST I spoke with a representative, XXXX XXXX, and explained the issue with the 3 previous PINS and expressed how frustrating and how much of a hassle the ordeal was becoming. I stated my payment was past due and need to get that taken care of along with making sure my online banking issue was fixed. After making the payment, XXXX told me that my account was good to go and I could use my card the next day, XXXX.The PIN given to me during the course of the call was provided at the very end of the call because it was only active for 15 min. Immediately following the phone call, I successfully was able to set up online banking and use it. On XX/XX/2020 I received an email from my credit reporting agency stating the account was closed due to a missed payment. I called and filed a complaint on XX/XX/2020 at XXXX EST explaining that my payment had been taken care of and was told my account was fine and nothing further needed to be done. I requested the call recording be pulled and provided the representative 's name, date and time of the call. I also requested calls be reviewed from when I called in complaining about the previous 3 PINS being sent that did not work. I expressed that they could pull my IP address and attempts at setting up online banking to see how many times I attempted to set the service up. ( I have attached the 3 PINS sent to me by the bank ) The person working my claim at PNC is XXXX XXXX. XXXX stated she would be unable to fix my credit report due to the missed payment. I explained what occurred and she stated the only other option I had was to write a written dispute. I received the information and the written dispute has been mailed to PNC on XX/XX/2020. I asked XXXX if she reviewed the call recording and she said she had not. I expressed to her that it was not fair to conduct an investigation and not look holistically at the situation. I told her I requested she specifically pull the call between XXXX and I as misinformation was provided to me. XXXX said she would look into it but he was no longer with the bank and could not provide any coaching on the matter. I filed a dispute with credit bureaus on XX/XX/2020 regarding the account being closed for their fault of not correctly setting up my online banking and for the numerous attempts I tried to get the issue fixed but it was not. Also filing the complaint because the representative I spoke with, XXXX XXXX, told me that my account was fine and good to go when it was not. If he would have told me there was an issue, I would have addressed it immediately. Due to the misinformation provided by XXXX and the numerous PINs that were sent that did not work to set up my online banking, PNC is negligent and failing to correct their mistake. I would like this removed from my credit report and the issue is not my fault.
Company Response:
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2020-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-23
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Opened a checking account around XX/XX/2020 based on a {$300.00} cash bonus for meeting certain requirements. Terms of the requirements are below : 1 The qualifying Direct Deposit ( s ) must be received within the first 60 days of account opening. Your checking account must remain open in order for you to receive the reward, which will be credited to the eligible account within 6090 days after all conditions have been met and will be identified as " Cash Trans Promo Reward '' or " Credits Promo Reward '' on your monthly statement. 2 A qualifying Direct Deposit is defined as a recurring Direct Deposit of a paycheck, pension, Social Security or other regular monthly income electronically deposited by an employer or an outside agency into the Spend account of a Virtual Wallet with Performance Select. The total amount of all qualifying Direct Deposits credited to your checking account must be at least {$5000.00} for Virtual Wallet with Performance Select. Credit card cash advance transfers, transfers from one account to another or deposits made at a branch or ATM do not qualify as qualifying Direct Deposits. Terms met on XX/XX/2020 and received email acknowledgement from PNC Bank that the required direct deposits had been received. When the cash bonus was not paid out by the specified time, I reached out to PNC Bank on XX/XX/2020 via online chat. When I inquired why the cash bonus was not paid out I was told I had not met the requirements and quoted different terms and conditions than previously received in writing. I explained in detail that the terms quoted were incorrect and was told a dispute was opened and that I would receive a response within 10 business days. The Bank failed to respond in the specified time. Summary : I met the requirements of the bonus, as specified at the time the account was opened, and PNC failed to pay out the bonus. When I followed up, PNC quoted terms that were materially different that the language provided at account opening. PNC also failed to respond with the specified time period that they had established.
Company Response:
State: CA
Zip: 92808
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I filed a dispute for money that was taken out of my account when I was XXXX and provided proof that I was XXXX and the bank keeps denying my claim.
Company Response:
State: PA
Zip: 19140
Submitted Via: Web
Date Sent: 2020-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2020 a mobile check was deposited into my account from XXXX XXXX account from XXXX for XXXX. This was at pnc bank in XXXX Delaware. It was deemed a fraudulent check after five days but pnc released the money before the check cleared and the money was taken. They have held me liable for this and have taken my paychecks for the past month. In turn I may lose my home and car now due to this, I have called now three times to speak with a branch manager and no one has contacted me. I really need help with this matter
Company Response:
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2020-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-19
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a business checking account with PNC Bank in XX/XX/2020. I opened the account using a promotional code that offered {$200.00} if certain requirements were satisfied. I satisfied the requirements and the {$200.00} should have been paid out by XX/XX/2020. When I did not receive the {$200.00} I called PNC bank. I spoke with a representative, who said that the promo code was not on my account. I told the representative that the XXXX XXXX should be on the account because I used it when I signed up and that I should receive the {$200.00}. She said there was nothing that she could do, but she would have someone call me. I have received a call back from PNC, but have been unable to connect with the person calling to resolve the issue. Whenever I call her, she does not answer. When she calls me, she does so during inconvenient times when I am unable to answer my phone. I just want this issue to be resolved and for PNC to honor their promotion, which induced me to sign up for the checking account.
Company Response:
State: IN
Zip: 46112
Submitted Via: Web
Date Sent: 2020-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I visited PNC of XXXX NJ to enroll in a forbearance program on a personal line of credit early on when the Corona virus came about. I spoke with a banker there who never informed me that branches can not do forbearance or extension programs. As a result of our discussion I was led to believe that the process had started and the loan was put on extension. On the contrary nothing was done and as a result the line of credit fell into a 120 day delinquency. I am in the process of trying to get approval for a mortgage and I have been advised by 4 lenders that based upon the delinquency there is no way I could ever qualify. I have sent disputes in to all 3 credit agencies and awaiting their decision. I am a retired XXXX XXXX on a XXXX pension from XXXX. I need to qualify for a mortgage in order to down size to a smaller house due to loss of income as a result of Covid. PNC claims there is no proof that a request was put in and are of little help to rectify my credit report. I am not looking for anything other than getting this delinquency removed from my credit report. As of now PNC has escalated the case within corporate for investigation. The reason for my submission to CFPB is to help me in having PNC Bank simply write a letter to the credit agencies and remove error of the 120 day delinquency.
Company Response:
State: NY
Zip: 10901
Submitted Via: Web
Date Sent: 2020-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was buying a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ON XXXX XXXX, XXXX XXXX : XXXX After contacting the Salesman XXXX XXXX by phone to know the availability of the tractor We started doing the paperwork by email which was the electronic bill of sale. What I signed after paying my {$1000.00} deposit with my debit card and waited for at least 5 to 10 business days for the paperwork to be done and to process the payment. I was communicating with XXXX XXXX by XXXX during all paperwork ( Bill of sale ) On XXXX XX/XX/XXXX I got an email by XXXX telling me my truck is ready and they just need the remaining balance. They sent me all the baking info for the Wire Transfer. On XXXX XX/XX/XXXX at XXXX I made a transfer of {$14000.00} at the branch of PNC BANK XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX. The Agent in PNC asked me why the bill of sale address is different from the bank address? Finlay we decided to put the bill of sale address in the bank account address. also the transfer was about to be clear in the beneficiary account on XX/XX/XXXX The next morning I got a call from XXXX XXXX saying my truck is ready. How would I make my payment? 5 min while fitting the confusion with XXXX XXXX, I called PNC BANK Wire Transfer department to cancel the transaction on XXXX XX/XX/XXXX XXXX. From XX/XX/XXXX to XX/XX/XXXX I called PNC BANK more than 7 times to know the status of my transfer. Finally on XX/XX/XXXX they sent me a letter saying the receiver Bank says we have to contact the beneficiary and as a PNC they can't help me to get my money back. PNC BANK. As a customer of the PNC Bank, my bank must work with me on any banking transaction while banking with them. After 19hrs of the transfer I request the transfer to get cancel and a 9 business day of the clearance of money in the beneficiary account : I do have 99 % clear to get my money back My bank didn't help me at all. I wish Could now from A-Z how the wire transfer works or how to track it by a tracking number and knowing where it is delivered. XXXX XXXX XXXX XXXX, I don't see how a scam can be able to use the company 's email address without their concern. that is really really regretful for me as a customers ...
Company Response:
State: PA
Zip: 16801
Submitted Via: Web
Date Sent: 2020-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A