Date Received: 2022-10-05
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I open the account online and didnt know that the bank was not in my area but I was fine because it was suppose to be a virtual spend account I thought by the name which is virtual wallet meant everything was done online anyways so I made my opening deposit and submitted my documents and was verified for the account but a few days later my account and my funds was placed on hold for no apparent reason I called many times and was told that the person putting a hold on my account will get back to me and I waited but the person never called then today I finally talk to her and she asked me to go into a branch and verify myself but the problem is that theres no branch near me so that was it she just said she closing my account.. I asked and even offered to go to any bank of their choice and bring my dicunents but she refuses to help and kept adamantly telling me that shes closing my account I dont even know what I did wrong and she never gave me an explanation why I was targeted in the first place now I feel like maybe because of my XXXX descent I was targeted..
Company Response:
State: WA
Zip: 98503
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been attempting to work with this company after a Covid19 forbearance for over two years. The original issue arose because I didn't understand that the forbearance period was only 3 months. As soon as I realized this, I attempted multiple times to extend the forbearance. All my attempts were rejected. Then I tried multiple times to defer the past due. Rejected. I paid the mortgage EVERY SINGLE month after that but the company continues to report me late every single month because, with the humongous interest and penalties they keep adding, I can never catch up. I am paying well over the monthly payment every month but they continue to report me late every month because my overpayment can't even make a dent in the almost XXXX XXXX DOLLAR interest and penalities they added to my account. The company told me that they do not have to help me because this is a line of credit and not a mortgage, and that they were not bound by the rules of the CARES act. They offered a ridiculously short forebearance and then refused to defer the forbearance amount even though I provided ample proof that I had no rents and no employment because of Covid. Then they piled on heavy interest and penalties and trapped me in a cycle from which I can never escape because I can never afford to pay it off. They refused multiple requests to defer the amount or waive some or all of the penalties. Because they keep falsely reporting my payments as late, my credit score dropped XXXX points and I can't refinance with any other company. I have submitted complaints about them here. Nothing happened. I recently filed what I believe is my sixth or seventh application, I have lost count. I only asked for a deferral of any past due mortgage payments I have not heard back from the company. I have attempted to call twice and end up on hold for XXXX XXXX minutes and get transferred multiple times only to get cut off before speaking to anyone who can help. This is not a difficult problem to solve. I am only asking PNC to waive some or all of the fees for late payments, defer any past due amount and correct my record with the credit bureaus. This is a reasonable response and what I believe was the legal requirement, that this company works with me to come up with a reasonable solution to keep me and my kids in my home. I have paid this company faithfully every month since I got this HELOC except for the forbearance period, and they have done nothing to help but only to harm my account with them and to destroy my credit so I can't find another company. If I can't get a reasonable solution via this complaint and my multiple applications, I will be filing a claim in small claims court in XXXX and will be seeking damages in addition to the above requests.
Company Response:
State: NY
Zip: 10014
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage was transferred to a new servicing company, PNC. I had been paying an additional principle payment each month in addition to my mortgage. I called PNC as soon as the mortgage was transferred and requested that no additional principle payment be debited from my account. I was asked to complete forms to indicate the change and I did. I called back and confirmed that only the mortgage payment would be debited from my account but the bank withdrew additional funds. I called again and requested that the bank cease withdrawing additional funds from my account, only my monthly mortgage payment ( the amount due, nothing else ). The bank told me to complete more forms. I have done that. I was told that there would be no additional withdrawal amount and yet the amount schedule is larger than my mortgage payment. I have contacted PNC multiple times to remedy the situation and they have not made any changes to the automatic withdrawal. Again, I have completed multiple forms and made multiple requests but there has been no progress.
Company Response:
State: GA
Zip: 30062
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/22 Had bed for sale on Marktetplace and rec inquiry from individual. States I needed to put XXXX into her account as a business to business transaction to avoid her loosing the XXXX for the bed. The email address was different than the bank account. I did not think that this was right but unfortunely I did what was asked. I had only used XXXX 2 times previously. I called PNC bank and she immediately advised this was a scam so I was to call and file report which I did. Then I got a letter stating my request for reimbursement was denied by XXXX. I called them again and asked for review to be done. They advise me that I am to do transaction only with people that I know. After the fact I received XXXX routine information on scams. Not proactively but after the fact. I asked why a bank would be in partnership with XXXX and informed they are not but I am now aware that is not accurate. Once i knew this was a scam I sent a text back to the individual informing I knew what she was doing and she blocked me. I am requesting assistance with this as I am aware of the increase in this activity and the bank is responsible since they are part of the XXXX XXXX XXXX XXXX with several other banks. They are responsible to be proactice. They were very aware of the scam when I called but not willing to overturn. I do not know this person that did this. I have no relationship with her. I would appreciate assistance on what can be done as the bank appears to not be willing to help. They very likely have accounts to cover scams and the number is rising so I would think they would be doing everything possible including not being part of this LLC with the issues. Thank you
Company Response:
State: KY
Zip: 40299
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/2021, my checking account with BBVA was converted in a merger with PNC Bank. Prior to the merger, the account was set up for e-Statements. After the merger, I stopped receiving any statements, either paper or e-Statements. I am unable to turn on the e-Statement feature in PNC 's online banking ; nor am I able to access my BBVA e-Statement history. Thus, PNC has been in violation of Reg E since the merger. They have failed to provide regular account statements in any format, and calls to their support numbers fail to provide any results - I get passed from one person to another, but no one knows how to solve this issue.
Company Response:
State: AL
Zip: 365XX
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: An account was opened by someone who took my identity. I did not open it.
Company Response:
State: MN
Zip: 564XX
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I submitted a loan application & was initially given a pre-approval from XXXX XXXX. After that he stopped responding to calls & texts. I then contacted XXXX XXXX by phone & left several messages for him with no response. I emailed XXXX XXXX asking to return my documents which includes tax returns, bank account numbers, my address, my social security number, date of birth, & other personal info that would allow me to become a victim of ID theft. To date no one has returned my calls or messages. At this point I simply want my documents back so I can safely store them.
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: My vehicle was repossessed, I paid the bank {$1700.00} for the lot XXXX XXXX which was vended out from XXXX XXXX XXXX to return my vehicle, I have not been able to get in touch with these people to get my vehicle back and the bank refuse to give me my money back because supposedly this money is owed on the loan. I've missed five days from work with no pay and counting... I need my vehicle to get to work or my money back with loss of wages I also tried refinancing the vehicle with PNC Bank but was denied due to credit issues... Thank you, XXXX XXXX
Company Response:
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: My XXXX XXXX XXXX has a virtual account wallet with PNC and I am the custodian. On XX/XX/XXXX, three separate money transfers through XXXX were done to XXXX XXXX. One for {$150.00}, {$170.00} and {$200.00}, wiping the account clean. I disputed this with PNC and they referred me to XXXX. After an hour hold time, my son spoke to XXXX and answered their questions, I wanted to talk to them to fully understand the process and they told me they couldn't talk to me since I wasn't the primary on the account. I then went to a PNC branch and they told me I have to deal with XXXX, since they are a third party and that you generally don't get your money back on these types of situations. My son didn't give his user ID or password out to anyone and he doesn't know a XXXX XXXX. PNC sent a letter stating they researched it and the somehow determined that the transfers were done from his phone and inferred he made them. These transfers were done at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Transferring money 3x until there was no more money to transfer. This is clearly a pattern of fraud. My son was asleep at those times and I had to wake him up to ask why I was getting a low balance alert on my phone for his account. I asked for this to get escalated or researched further and PNC has gone silent. If this were my credit card, this kind of suspicious activity would have been flagged and my account would have been locked. They clearly don't have good fraud protocols in place on top of not protecting their customers when fraud occurs.
Company Response:
State: PA
Zip: 16066
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Several years ago I closed my HELOC account in person with the assistant manager of BBVA Compass bank, and after a call by that assistant manager she told me my HELOC account was closed. There was a new transition last XXXX XXXX where BBVA Compass bank was now owned by PNC bank XXXX In XX/XX/XXXX I received a $ XXXX yearly finance charge from PNC bank. I inquired about this at my PNC branch. They made a call to the PNC Loan Service department that handles this and they stated I was charged the {$50.00} because my HELOC was not closed. I told PNC the account had been closed when it was BBVA Compass bank and I expected it to be closed based on the information I received from the assistant manager of BBVA Compass. I told PNC they needed to refund the {$50.00} finance charge back to my checking account. PNC stated it would take a few days for this to be evaluated and the money refunded and to check back in a few days, which I did. The money had not been refunded, and unbelievably my HELOC account still had not been closed. When the transition from BBVA Compass bank occurred last XXXX, PNC failed to appropriately update their files to show that the HELOC had been closed. I made several calls to PNC Member Services who forwarded the matter to their Loan Service department and always told they would contact me, but no contact by e-mail or phone every occurred. My request to close the account and credit the {$50.00} finance charge has been totally ignored and I find this conduct and lack of professionalism irreprehensible as a customer of PNC bank.
Company Response:
State: NM
Zip: 87144
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A