It looks like the values in the ROWS and COLS arrays are indices into the PINS array (plus one), not pin numbers themselves.
It's not clear what you're doing in loop() but the '-1' in there seems appropriate as the values in ROWS and COLS are 1-based, not zero-based.
In your setup() where you want to set all rows high, the '-1' is not there.
Also, make sure you have the pins wired up correctly. The indirection makes it non-obvious.
Your rows are:
PINS[ROW[0]-1] = 4
PINS[ROW[1]-1] = 15
PINS[ROW[2]-1] = 5
PINS[ROW[3]-1] = 13
etc..
Your columns are:
PINS[COLS[0]-1] = 14
PINS[COLS[1]-1] = 10
PINS[COLS[2]-1] = 9
PINS[COLS[3]-1] = 3
etc..