Date Received: 2022-05-14
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Last year PNC bought my bbva credit card. I have Not received any statements from PNC. When I called in XXXX they manually generated one and said they would send more, that is the only statement I have ever received, they claim they sent them and it must be the post office, this is not believable that I would receive one manually generated statement and no others for almost one year, I have called multiple times with no resolution, I call every month to make a payment by phone only then finding out my minimum payment due. I asked for an address to send a written notice of billing errors and they claim they have no such address for billing claim errors.
Company Response:
State: TX
Zip: 76053
Submitted Via: Web
Date Sent: 2022-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: BBVA/PNC Bank Summary XXXX XXXX XXXX XXXX County Sheriffs Department is the lead investigator on my wire fraud case & has indicated a username & password at XXXX XXXX XXXX has led to multiple victims of wire fraud. I am aware that PNC Bank and BBVA banked moved my money to the wrong bank and account name, into an account set up with a fraudulent ID and to an account name that made no sense to the reason of the wire. Below are the timelines as they relate to PNC Bank, XXXX I received closing instructions from XXXX XXXX XXXX XXXX XXXX XXXX, I followed the instructions to send the closing funds to BBVA Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX ) Before XXXX A man going by the name XXXX XXXX , in the Unites States XXXX XXXX on a visa, opened an account at PNC Bank XXXX CO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CO XXXX XXXX ) with a fake ID and a fake name. XXXX XXXX XXXX XXXX confirmed the money was sent to a BBVA account number per email confirmation on XX/XX/21 ( XXXX XXXX ) XXXX XXXX XXXX XXXX confirmed receipt of the money and we closed the condo. ( XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX contacted me via phone and text informing me that they did not have the money. XXXX XXXX from XXXX XXXX XXXX called the local CO branch at BBVA, they confirmed that no they did not have that account number and that the money would be returned. XXXX I contacted XXXX XXXX XXXX, they informed me that the money did not go to BBVA but to the local PNC branch in CO XXXX XXXX XXXX called the local PNC branch and spoke to PNC branch contact XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX confirmed that yes, they received the money and it had already been removed from the account. XXXX inquired about the account name that I had written on the wire transfer XXXX XXXX XXXX ( BBVA ) Reason XXXX XXXX XXXX XXXXXXXX XXXX Closing. XXXX confirmed this was not the name on the account and she stated, PNC does not move money if the account names dont match, and this would be here recourse. XXXX XXXX shared this information to me and confirmed, in all her years at the Title company, no money gets moved when account names dont match. Not for married couples, not for a middle initial, it does not happen. XX/XX/21 I spoke with XXXX, she confirmed what she told XXXX but refused to talk about the actual account with me, saying, I was not an account holder and therefore she could not speak with me, referring me to their wire fraud department. XXXX XXXX I called XXXX XXXX XXXX multiple times following up on my wire fraud claim that I placed on XX/XX/21, they confirmed multiple times that they have sent the complaint to PNC bank and that they have not received an information back. Multiple XXXX XXXX XXXX employees at the wire fraud department and at the local branches also stated that no money should have been moved when the accounts to match. After XXXX XXXX XXXX XXXX said that PNC neglected to respond and that they could not force them too. Starting XXXX Investigator XXXX XXXX of the XXXX XXXX County Sheriff began investing the account, he has subpoenaed the bank records and is aware : 1. The owner of the Account XXXX XXXX used a fake ID, he is currently being tracked through TSA records. 2. The account name that was used is XXXX XXXX XXXX. The movement of the money to subsequent accounts 4. Bank photos of XXXX XXXX. It is clear that no one at BBVA or PNC Bank followed basic procedures. The wire was sent to a different Bank Name, Different Account name, where the account name has nothing to do with closing on a property. As a consumer I should be able to rely on the banks for a basic level of competency, especially when they are very aware of wire fraud and how the crime is perpetrated. To have no basic measures of verification is place is negligent, if not for PNC actions this crime would not have been successful.
Company Response:
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2022-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-14
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: How it is that CFPB continuously permits PNC to block XXXX and marginalized peoples from access to opportunity and to business capital through their automated decision processes, algorithms, and discriminate machine learning systems. And then, when XXXX and marginalized peoples manage to suffer through the struggle of raising their own capital to open and operate their business, PNC kneecaps their success by illegally shutting down business accountsceasing business operations and constructively withhold all of their business funds as well as all funds in all personal accounts. I am XXXX. I am XXXX. I have been victimized by PNC Systemic XXXX, its XXXX XXXX and its Person-to-Person Discrimination. PNC should know its systems and processes were flawed and cause injury because CFPB has articulated standards in preventing such. In the absence of Regulation and Enforced Standards PNC is not deterred from or concerned with the discrimination that exists within its institution. My Business is a Certified Minority Owned BusinessXXXX Owned and XXXX Owned Without Legal Right, Cause or Justification, PNC Bank wrongfully closed my business account and each of my personal accounts ( four ) on or about XX/XX/2022. After wrongfully closing the accounts, PNC took all available funds from each account and mailed my money to address on file. Employee Payroll, accounts payables, checks and ACHs were dishonored. Business operations halted. After I pleaded with PNC and firmly demanded review and investigation, PNC realized its computers made a mistake. Human error and flawed, discriminatory manual processes also contributed to this wrongful account closure Upon the wrongful account closure, I managed to have this matter escalated. XXXX XXXX in Executive Client Relations was my point of contact Each phone call that I had with XXXX XXXX was conducted on a recorded line. XXXX XXXX explained that EVEN IF PNC did something wrong, that the accounts would not be reopened. XXXX XXXX stated she was sorry for my situation. She assured me that the accounts would not be opened As XXXX XXXX was on the phone making assurances ( telling and making up lies ) as to why and how PNC is sorry for wrongfully closing my accounts, and how PNC would not be able to do anything further to assist, I was literally sitting in the PNC with the branch officer as the branch officer worked to re-open the wrongfully closed accounts Branch Manager was eventually able to reopen the wrongfully closed accounts When the accounts were reopened, XXXX C phone me, stated that she had good news, that SHE was able to get the illegally closed accounts reopened. ( Another lieXXXX XXXX provided no assist in reopening the illegally closed accounts ) I asked XXXX XXXX if she could assist with XXXX and any other vendors impacted by the closed accounts XXXX XXXX did nothing During the call, XXXX XXXX stated that I used the word illegal XXXX XXXX asked me to change my statement and say that PNC did nothing illegal XXXX XXXX was effectively asking me to tell a lie ( or state something I did not believe ) I told XXXX XXXX that I would not take back what I said. I asked XXXX XXXX whether she would assist me in resolving this wrongful account closure by offering explanation that PNC made an error. XXXX XXXX did nothing, she allowed the injury and harm to continue. On Wednesday XXXX XXXX, the PNCXXXX collection agent informed me that I was being reported to Collection Bureau PNC maintains federally backed money. It has a duty to maintain consumer bank accounts responsibly and, in a manner, to protect consumersto not cause injury or harm to the consumer. Not only has PNC violated federal prohibitions against unfair practices, but PNCs actions and its failure tact on my behalf to rectify its wrongdoings ( XXXX XXXX ) constitutes XXXX and systemic discrimination. Adverse action XXXX XXXX XXXX XXXX has occurred as the result of PNC wrongful closures of my accounts Because of this illegal Account closure ADP/PNC requires XXXX to post a {$3500.00} deposit to use their services. Prior to the illegal account closure, I did not have to post a deposit PNC charged overdraft fees for dishonored account activity that resulted from the illegal account closure PNC knowingly and willingly withheld assistance and remedy for my injury due to my race PNC deprived me from the use of my XXXX had no access to cash or capital PNC caused great disruption in my business. My business suffered irreparable loss and harm. PNC has impaired my credit and ability to obtain capital for my business I shamefully begged PNC ( XXXX XXXX ) to stop this injury. I explained to XXXX XXXX that PNC automated processes and systems were operating discriminately. That this discrimination hurts my employee and his family as well, XXXX XXXX did not care. XXXX XXXX did not act to mitigate and rectify my injury and harm even though she had the power and job role to do so XXXX XXXX utilized her authority and power to work against me through non-action PNC wrongfully closed my business / financial accounts and constructively withheld my very own funds from me. PNCs wrongful closure of my account ( s ) knee-capped the ability of my business to sustain and thrive PNCs wrongful closure of my account was egregious, Unfair, Deceptive, and excessively Abusive causing me substantial financial harm. PNCs wrongful closure of my accounts are the result of Financial Discrimination, Systemic Discrimination and Digital Discrimination
Company Response:
State: NJ
Zip: 071XX
Submitted Via: Web
Date Sent: 2022-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: My bank account was Hack on XX/XX/XXXX or XXXX they drain my account, plus they took out loans, and credit card avance, on my credit card. we went to the Branch office to straight it out, they said that eveything looks good I got my money back, But on my credit report they say I still own XXXX dollars. I did not open a loan account you can look and see that I didn't sign any kind of loan papers. we do not deal with PNC anymore our accounts are closed
Company Response:
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2022-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/XXXX, XXXXMy husband was scammed and initiated a {$30000.00} wire from our joint PNC bank account to the criminals. Less than XXXX minutes after leaving the bank, he called PNC customer service to see if it could be stopped. PNC 's employee looked it up and told him that the wire had not gone through yet and the criminal 's account was also with PNC. He was told the criminal 's account would be immediately frozen so that the money could not be deposited and that it would automatically be returned to our account, but it might take up to XXXX business days. That never happened and the account remained over - $ XXXX. ( Please listen to that call. ) FROM XX/XX/XXXX through XXXX XXXX both called PNC myriad times to explain that the account only had XXXX in it at the time of the wire, but the scammers somehow made it look like they " accidentally '' wired the money to the account ( as in it showed up when he logged in ). Why would PNC allow a wire for $ XXXX from an account with only $ XXXX in it? We were referred to XXXX XXXX, who works for their wire fraud department. He could not have been more useless and was unreachable. I spoke to XXXX XXXX from wire fraud. I also talked to a lady who told me NOT make payments on the $ XXXX line of credit that PNC immediately moved into the scammed account as an overdraft because PNC told my husband it would be fixed the day it happened. She said she'd note it on her computer. XXXX closed ( purged ) all of our accounts with them. I can not be added to the account my husband opened at XXXX because I'm on some list and my credit rating has dropped from XXXX to awful.We are in collections with PNC. They say we owe them the $ XXXX line of credit plus interest and late fees AND we also lost the $ XXXX we had in that account. WHAT WE KNOWWe fully understand it is not PNC 's fault that my husband was scammed and he originated the wire transfer and are not asking about that. WHAT WE ARE ASKINGI want to find out PNC 's legal responsibility after their agent told my husband on a recorded line that the receiving account would be frozen and the money would be returned to our account within five business days. What steps were taken? Did they do their due diligence/follow up/follow the law/do ANYTHING? Do they have ANY accountability at all? Did they do everything in their power to stop the transfer? Did they act in bad faith? Were they in breach of their contract with us when their agent said we'd get the money returned and instead we are in collections? Listen to the recordings of all of our calls to PNC starting XX/XX/XXXX until PNC closed the account and explain to me how they are not responsible for ANY OF IT even though PNC 's own agent said the wire would be stopped. I'm only attaching the latest bill for our line of credit since PNC closed our accounts and everything was online.
Company Response:
State: AL
Zip: 365XX
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have several credit inquires on my credit file that I do not recognize. I sent letters and emails to all the creditors listed below to have these inquires removed from my account. I have also disputed them through XXXX. These creditors have refused to work with me to resolve this issue and XXXX has not been able to help as well. I did not authorize or give permission for these creditors to pull my credit. XXXX XXXX XXXX XXXX ( XX/XX/2021 ) PNC Bank ( XX/XX/2021 ).
Company Response:
State: AL
Zip: 36608
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, my cell phone was hacked and money was taken out of my account about a XXXX dollars. I disputed it the very next day. But my dispute was denied because it happened on my own device and on my own Wi-Fi. But I had reported that my divorce was hacked. They will do nothing more. I had called XXXX. They had me down load an app which apparently gave them access to my device and my Wi-Fi. I thought there were laws protecting consumers from this kind of fraud. It was PNC Bank. I did not willingly send anyone this money and I never thought XXXX knew what sell was. Please help me.
Company Response:
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX I called PNC to try to pay my full balance. I asked if there was interest on the account and if I could get a full payoff total. I was told the system would not allow me to pay anything over my balance that is listed in balance due section. I spoke with XXXX and asked if I paid my full balance on XX/XX/2022 would interest be assessed on my next bill. XXXX told me if I paid my full balance on XX/XX/2022 there would be XXXX dollars of interest on my next bill. Later that day I called back to verify that my payment went through, and I asked once again about the if interest would be charged to my account, once again I was told no. On Saturday XX/XX/2022 I saw my online statement and there was interest charged for {$12.00}. I immediately called customer service, I explained to the rep what took place, and he went to speak with his manager, he returned to tell me his manager said the interest would have to stay and would not be removed. I requested to speak to the manager and that was XXXX. I explained over again to XXXX the situation, though he seemed reluctant eventually XXXX told me the interest of {$12.00} would be reversed and I should see the credit on my account in a few days. I have checked my account all week and saw no changes, the interest fee was still there. I called today XX/XX/2022 only to find out somehow the request to reverse the interest was denied, no one called or email to tell.
Company Response:
State: MD
Zip: 20705
Submitted Via: Web
Date Sent: 2022-05-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-12
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I had previously opened a complaint against PNC Bank regarding incorrect reporting. They said they would look into the matter, but I haven't heard anything back from them in a year. I have repeatedly called and emailed with no response from them.
Company Response:
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2022-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX # XXXX, has violated my rights. 15 USC 1681 Section 602 States i have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Company Response:
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2022-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A