Consumer complaint received 2019-11-30
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is a follow up on Consumer Financial Protection Bureau Case XXXX-XXXX. 


PNC has refused to cooperate and remove my incorrectly reported information to XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, stating that it will fall off in 5 years from the date of being reported. PNC recorded a phone call between myself and the agent XXXX XXXX from Executive Client Services on the dates XX/XX/XXXX and XX/XX/XXXX. The CFPB and Federal Trade Commission both have my full permission to obtain the recorded phone call from PNC to verify the information being reported. 

PNC has feigned ignorance in an attempt not to acknowledge the billing error and asked me to find where on the XXXX billing statement is the reported error. This is a fallacious request because they are asking me to find missing information on the statement that PNC has failed to report. Multiple times, in person and over email with multiple supervisors, I provided verification from the airline XXXX XXXX of the flight dates, the purchase dates and amounts of the purchase. 

XXXX reports different billing amounts of the flight purchase which were processed on different days. XXXX acknowledged that she saw that there are two different prices. 
However, then continued to state that the charge posted later in the week and that doesn't make sense because a different amount of money was charged. XXXX reports that their records do not show a second transaction, and yes this is true and it is why this entire problem exists. PNC is not reporting the second charge on my old billing statements as that would prove their error. This is a willful violation that must be assumed to be fallacious and may evince PNC 's willful violation to ignore my protected rights, as described by the FCRA, FCBA, The Truth In Lending act, i.e., 15 U.S.C. 1681 et seq. 

I paid {$1100.00} on XX/XX/XXXX to XXXX and was charged again in XXXX for a different amount, {$1100.00}. PNC acknowledges this and refuses to admit there is an error that is on the billing statements they have produced and refuses to clear my damaged credit. 

PNC also refuses pay the continuous overdraft fees in the amount of {$710.00} which they used to steal my funds from my account in XXXX to cover those unauthorized charges. Attached is the proof of the two billing amounts, from XXXX and PNC which were charged on two different dates for this following flight. 

Itinerary # XXXX Ticket # XXXX Please return my funds which were stolen from my account to pay for the fraudulent overdraft charges, and the money that was spent on credit repair services, all of which were listed in my complaint on XX/XX/XXXX. 

I am XXXX  with the IRS and have a XXXX through XXXX  for Anti Money Laundering - Fraud - Beneficial Ownership and Customer Due Diligence. I can say without a doubt that this is fraud. 

PNC has been provided the allowed time mandated by law to complete their investigation. In spite of evidence produced, PNC refuses to remove the spend account from XXXX XXXX XXXX  and claims there was no bank error and refuses to reimburse me in the amount of {$710.00} - from overdraft fees charged to my checking account. 

PNC is not acknowledging a bank error, however they have the waived the full balance owed in the amount of {$1500.00} and reported it to XXXX as settled in full. 

Evidence has been attached to this complaint with the invoice of the correct purchase amount and is dated XX/XX/XXXX, not what PNC has reported on the billing statements. The original complaint on XX/XX/XXXX provides the billing cycles where PNC has willfully charged and credited my checking account multiple times causing {$710.00} in overdraft fees. 

I was told by PNC years ago in XXXX that this issue was resolved and only made aware that the false information reported about me still existed by being denied on an application to open a checking account at another bank. The denial from XXXX is attached too. 

Please feel free to contact me directly at my cell phone immediately if there are any questions. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation