PNC Bank, National Association Corporate

Complaint ID: 6894168

Product: Checking or savings account

Sub-Product: Checking account

Issue: Managing an account

Subissue: Deposits and withdrawals

Company: PNC Bank N.A.

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: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 6892968

Product: Credit reporting, credit repair services, or other personal consumer reports

Sub-Product: Credit reporting

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Company: PNC Bank N.A.

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: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 6892870

Product: Credit reporting, credit repair services, or other personal consumer reports

Sub-Product: Credit reporting

Issue: Problem with a credit reporting company's investigation into an existing problem

Subissue: Problem with personal statement of dispute

Company: PNC Bank N.A.

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: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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