Consumer complaint received 2023-05-20
Company: PNC Bank N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On or before XX/XX/XXXX : Fraudulent online home equity mortgage application was initiated by identity thief. 

XX/XX/XXXX : Upon returning home from vacation, we received a completed Home equity loan application from PNC bank in the mail asking for $ XXXX line of credit against one of my properties. Loan request had my personal information, including Name, address, birthdate, SSN, employment history, and mortgage and Credit card information. I did not submit this loan request. The only thing which was not mine was the contact email and phone number and an incorrect race designation as XXXX XXXX. 

XX/XX/XXXX : Called PNC bank and initiated Fraud report and froze processing on the loan application ( talked with " XXXX '' ). PNC stated they would get back to me regarding issue. 

XX/XX/XXXX : Called FTC to initiate fraud report. 

XX/XX/XXXX : created accounts with all three credit bureaus and froze my credit reports and notified banks of fraud. 

XX/XX/XXXX : After no response from PNC ( including my multiple attempts to reach them ) I finally was able to reach PNC Bank Loan administrator ( XXXX XXXX XXXX # XXXX XXXX ). Notes from discussion : 1. Person completed on-line loan request with the following information : Name, Social Security #, Birthday, Current address, address of home which initiator was requesting loan against, and employment history. 
2. PNC bank subsequently completed a credit report during their attempt to process the application and ADDED MY MORTGAGE INFORMATION, EXISTING LOANS, AND CREDIT CARD INFORMATION TO THE LOAN APPLICATION FORM. THIS INCLUDED COMPLETE ACCOUNT NUMBERS AND BALANCES for a number of the accounts. 
3. PNC bank sent this additional information back to the loan initiator without any verification of the identity of the loan via email to the provided email address on the loan application which belonged to the suspect. 
4. XXXX ( PNC Loan Officer ) sent a hard copy of the loan application to me at my current mailing address ( provided on the loan application by the loan initiator ) because she did not receive a response from the email and phone messages she had attempted contact with regarding next steps in the loan process which would have required that the applicant provide additional documentation such a pay stubs, utility bills, and other information that would have verified the applicants identity. 
5. Per discussions with XXXX she stated that per the process, PNC does not provide complete account numbers in the loan request. But the loan request DID have complete loan and credit card account numbers. 
-- -- -- XXXXPNC BANK PROVIDED ANOTHER PERSON MY PERSONAL FINANCIAL INFORMATION 6. XXXX stated PNC would contact me by XX/XX/XXXX with additional information regarding how this happened. I requested specific information including : 1 ) Exactly what additional information was provided to this individual, 2 ) Why was providing this information acceptable without validation this was the correct person? 

XX/XX/XXXX : XXXX from PNC bank called me and stated they would not provide me any additional information regarding the fraud attempt and told me I should contact the credit report companies, my mortgage and the Credit card companies. She also refused to address any of my concerns regarding the disclosure of personal financial information by PNC and stated that the issue would be addressed internally. When I continued to request additional information and demanded to speak with a manager she stated a manager would call me in 1-2 business days then hung up on me. 

PNC Bank Information : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan # XXXX Loan Originator : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief