Date Received: 2017-12-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: ACH transactions from an account at PNC Bank ( {$900.00} on XX/XX/XXXX, {$1500.00} on XX/XX/XXXX, and {$900.00} on XX/XX/XXXX, that were direct deposit credits to Chase account number ending in XXXX listed on the XXXX report. PNC 's records do not indicate that I have ever had a relationship with PNC per CFPB-CASE # XXXX AND CFPB-CASE # XXXX. I dispute all unverifiable transactions contained in account ending XXXX and Summary File Disclosure, Consumer ID : XXXX prepared on XX/XX/XXXX by XXXX XXXX summary disclosure. As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, and XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy, I conditionally accept your offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX, XXXX around midday, I went to PNC Bank at XXXX XXXX XXXX, XXXX XXXX, N.Y. to obtain a cashier 's check for {$3800.00}. I presented my driver 's license and my PNC debit card as proof of identification. Although the funds were available in my account, the teller said she could not issue the check. She did n't give me a reason. I then asked to speak to a XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID # XXXX ) came over. She inquired if I knew the person to whom I was sending the check. I said yes. It is a transaction I have been doing monthly for more than XXXX years at PNC for the same amount to the same person. I have explained to PNC on many occasions the reason for the check and who this person is. Since it is well documented in my transaction history, i should n't have to explain every time. XXXX XXXX then told me that there was a lot of fraud that branch and that was the issue with processing my transaction. I said are you accusing me of fraud. You have a photo drivers license and my debit card and you can see in my history that I have done the transaction monthly for XXXX years to the same person.I said the money is available in my account. XXXX XXXX refused to approve the transaction. She said I could only use the money to pay bills but I could n't get the check.This did n't seem appropriate. How can my bank tell me what I can or can not do with money that is available in my account. In other words, I could process online transactions or I withdraw it at an ATM machine.Unfortunately my daily ATM limit is less that the amount I needed for the check. I filed a complaint with PNC the same day. I received a call back from customer representative XXXX XXXX on XXXX XXXX a few days later and repeated the information to her. On XXXX XXXX, XXXX XXXX called to inform me that she spoke to XXXX XXXX, the teller and the branch XXXX and the reason the reason they could n't do the transaction was because of concerns about fraud ( even though I presented XXXX forms of ID ) and because the bank officials did n't know me ( since when do I have to be personally known by officials at a national bank with thousands of branches to complete a transaction ) and because I raised my voice ( that is untrue ; I demanded a reason for them refusing my transaction and threatened to file a complaint, which is my right ). And even if I raised my voice is that a reason. I spoke professionally through a bulletproof partition to the bank officials with a tone that was loud enough for them to hear me. I might have been frustrated and demanding, but loud I was n't. So, it seems like they could n't concoct a good enough lie for why they denied my transaction. They definitely did n't have a legal reason under banking regulations and, I am sure, under PNC policy for denying me access to my funds. Now they are making false accusations about me for their unexplainable action. Simply being concerned about fraud or because of other fraudulent transactions that had nothing to do with me or my account should n't be a reason as long as i present proper identification and the money is available. I was able to do the same transaction a few days later at another PNC branch without a problem and similar transactions previously at other branches without a problem. Since when do I have to be personally known to a teller and a XXXX to access my money. If that 's the case, PNC would be the most inconvenient bank despite its many locations around the country because it would n't be practical for me to go to the branch nearest to me any given time to conduct business for i would be unknown in many cases.
Company Response:
State: NJ
Zip: 08081
Submitted Via: Web
Date Sent: 2017-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-18
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: an ex co-worker allowed me to use his XXXX prime account to help me buy a gift for my kids last year..around XXXX XXXX, when we were working together, in XXXX, Michigan XXXX At the time i lived in XXXX, ohio, and he resides in XXXX, michigan. i purchased the item on his account to be delivered to his house free shipping. his account was free shipping, mine was not. he got the item, and brought it to me at work when it arrived. since then, he quit the company in XXXX or XXXX, XXXX. I left the company in XXXX XXXX, and moved to the XXXX, Florida area, XXXX XXXX, and live in a town called XXXX. in XXXX i was on work assignment in XXXX XXXX, stopped in on XXXX to the bank, PNC BANK, to check balance on my credit card and pay it. This is when i found out that there was many purchases to XXXX marketplace, which i did not do, nor authorize. I met with banker, they cancelled card, ending in ... XXXX, issued me a new one, and i filed a dispute. After i left the bank i called XXXX XXXX XXXX XXXX, and asked for them to look me and my credit card number up, which they did. I asked them to run a report comparing my card charges to any shipping address which was NOT mine. I live in XXXX, Florida. I have a billing and shipping address in XXXX, Florida. The Customer service lady, named XXXX, emailed me and XXXX ( the unauthorized user ) a copy of each purchase which was shipped to his address in XXXX, Michigan. including each order number and description of items, dates, and costs. Each which matched my credit card statement. This activity began XXXX XXXX and ran through XXXX XXXX. There are XXXX seperate orders, each with multiple items. Since then PNC BANK, XXXX XXXX, on XXXX XXXX, sent me a letter stating they " have determined '' that i had authorized the use of my card. And i am responsible for the charges on my account. This is incorrect. Never did i allow him to use my credit card for any purchase. Nor did i know he would have saved my card number, and use it at a later date. I called PNC XXXX XXXX week of XXXX XXXX, XXXX times, and asked how they came up with this determination, and they said i would have to speak with XXXX, who was suposedly off until Monday. Asked for her to call me back, and it has been over a week and she has not called me. The total purchases ( as known to this day ) is {$9100.00} .... XXXX bank contact was XXXX XXXX, at PNC, XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX, phone number XXXX. I spoke with PNC fraud/dispute team on that same day from XXXX office. business date XXXX XXXX, XXXX. I have a contact name of XXXX, at XXXX for dispute team.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2017-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-16
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Staring in XXXX 2017, I disputed multiple fraudulent charges on my account. PNC bank refused to return my calls or respond to emails for 2 months. After many follow up calls and visits to my local branch, the disputes were found to be valid and the merchants refunded those transactions however PNC bank closed my account and refused an explanation. I have banked with PNC for many years. This has caused undue stress and work for me during the holidays. Having to open a new account, set up new bill auto payments and have my funds on a hold where I could not access them for many days has been stressful.
Company Response:
State: KY
Zip: 40503
Submitted Via: Web
Date Sent: 2017-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-15
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Not opted into overdraft protection ; ACH debits not included in this ONLY debit card .... not clearly stated. XX/XX/XXXX account was overdrawn, called PNC XX/XX/XXXX rep explained people dont understand overdraft protection fees/policies and it doesnt applied for ACH and got fees waived so I could close account. XX/XX/XXXX overdraft fees were put back on account for pending transactions that the representative I talked to didnt mention and was told there was nothing they could do and had to wait for 2 days for a call back. XX/XX/XXXX went to PNC branch to explain situation and that Id be happy to pay debit balance of XXXX $ but wont pay the fees totaling XXXX . ( Charged me a fee for not showing my college ID every 6yrs INCLUDED in this was CONTINUOUS OD fees and overdraft fees ). Account now at $ XXXX and theres nothing they can do. XX/XX/XXXX branch manger trying to assist but cant refund fees theres nothing he can do, but will try to escalate account.
Company Response:
State: PA
Zip: 16823
Submitted Via: Web
Date Sent: 2017-12-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-15
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On XXXX - XXXX 2017 at approximately XXXX XXXX I applied for a PNC visa credit card on line at XXXX. the web site does not show the fees until after I hit enter. When is saw that balance transfers included a 3 % fee I had no way to cancel the application. I immediately called the XXXX service number and explained that I did not want the card and that 's wanted the application canceled. They could not find the application of there system and told me to call XXXX and customer service would help me. iCustomer spoke to service representative XXXX XXXX and was told that the application could not be cancelled at this time. She said I had to wait for it to be processed and that I needed to call back to XXXX in a few days and cancel the card at that time. I agreed to do that but stated that I did not want the card to be reported to the credit bureaus. She said that I would have to go to each credit bureau and separately report that the card was closed to each. I do not want this card reported as I never intended to accept it as soon as I saw the transferr fees. It should be hard to stop the information from going to the credit bureaus or for the card company to correct their credit reporting. However it seems thwt the company is going to report it even though I contacted them in less the 15 after my submission and said I did not want and would not accept the card. Thank you for any help.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-13
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Credits post before Debits always. PNC Bank makes my deposits available the next day. PNC charges fees when my balance is not overdrawn or Uncollected. Also PNC has a system of paying the highest check so more items are returned and generate more fee income for the bank
Company Response:
State: FL
Zip: 33484
Submitted Via: Web
Date Sent: 2017-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-13
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: This is my second complaint to CFPB for the same issue. I have a PNC Rewards card. For all of the many years I have had this card, I have been unable to redeem my rewards through their website. I have called each month, for over three years and get caught up in a 1/2 hour phone tree before I get someone who manually redeems my rewards. I complain to them on the phone and to their supervisors and I have been assured that they are working on fixing the website. It was never fixed and to date, it is still not working. I filed a complaint to this organization a few months back and PNC did promise to look into it. I also received a personal letter from XXXX XXXX, Executive Client Relations, AVP who said I can call her anytime Monday through Friday XXXX to have her help me if the problem persists. I tried again on XXXX/2017 to redeem my rewards via their website, and the problem is exactly the same. Same error message. No changes. So I called XXXX XXXX. She did not return my call. The problem is not resolved. Please make them fix this simple website problem. It is not brain surgery.
Company Response:
State: PA
Zip: 19119
Submitted Via: Web
Date Sent: 2017-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Back in XX/XX/XXXX I suffered a horrifying XXXX XXXX in which it had left me with a XXXX XXXX XXXX and a few other injuries as well. The car I was driving was a XXXX XXXX XXXX XXXX which I had purchased on XX/XX/XXXX by taking out a loan for {$35000.00} from PNC Bank. The vehicle at fault ran a stop sign and drove straight onto my driver door. I was unable to go about my regular days due to the injuries I had endured, and because of my injuries I was unable to make payments on the vehicle. I paid off the loan in full on XX/XX/XXXX. When I first got the loan from PNC Bank I had financed the loan for 75 months and ended up paying the loan off in 10 months. My aunt was my co-sign on the loan and her, as well as me, both did not really understand how insurances or creditors work. We thought that my Gap insurance for the car would cover the full remainder of the loan and that we would n't have to worry about paying any more for it. During the time I was recovering and doing XXXX XXXX I missed a few payments and now its showing as a major delinquency on my credit which is preventing me from opening any new line of credit. I am requesting to dispute this delinquency reflecting on my credit for my lack of payment was not due to a deliberate act, but rather an unexpected accident. I am not a delinquent. I am a responsible XXXX XXXX XXXX in my XXXX XXXX who is in pursuit of becoming a XXXX. Please help me for I feel stuck in this mess. You may be my last hope in pardoning and removing this delinquency.
Company Response:
State: FL
Zip: 34983
Submitted Via: Web
Date Sent: 2017-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My husband and I are trying to pay off a PNC conventional First Mortgage. My husband had filed chapter XXXX due to business issues. So we are in the bankruptcy Department. My loan is approved with another company. PNC refuses to give a payoff with the per diem. The new mortgage company and Title Company need a payoff plus a per diem to make their closing disclosure accurate. PNC tells us that they give the figures to the bankruptcy attorney. The bankruptcy attorney then takes 5 days to mail us a payoff which goes to our bankruptcy attorney. And the payoff is only good till 1 or 2 daysb after the date of the letter. No per diem. When we ask the attorney 's office for a per diem they said PNC will not allow it. When I ask PNC for a per diem they say the attorney has to provide the information. What a scam. When we asked the attorneys office for a per diem.they said PNC will not allow it.. What a scam.
Company Response:
State: VA
Zip: 241XX
Submitted Via: Web
Date Sent: 2017-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A