Date Received: 2022-05-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/XXXX, I reported to PNC BANK that my card was stolen and promptly canceled it, however I had already been charged with {$770.00} worth of deviant transactions. The bank issued me provisional credit equivalent to the amount stated pending investigation, however it appears that I have been found guilty of the thief 's transactions as the credit has been removed from my account and I will now have to bear the responsibility of this fraud. What's more, I reported these transactions while they were STILL PENDING, they told me that they couldn't cancel the charges OR dispute them until my money had " gone through. '' I find this very strange considering they could have saved my money and my time right then and there.
Company Response:
State: TX
Zip: 77833
Submitted Via: Web
Date Sent: 2022-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: PNC bank after acquiring BBVA has been inefficient and late in their proceses. After a long process for processing an incoming wire transfer during XXXX, they caused more than XXXX usd in NSF fees from Other banks. I wrote letter complaining and took out all the funds from the account. Now they want to charge XXXX and are not allowing to close the account, and keeping the bad service shown.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I purchased the XXXX XXXX XXXX used in XX/XX/XXXX. When COVID19 hit in XXXX, I had already paid around {$45000.00} towards the {$62000.00} purchase priceleaving a balance of around {$22000.00}. My husband lost his first job in XX/XX/XXXX, went back to work for another company, and was laid off again in XX/XX/XXXX. We were also hit with a massive loss during the Texas XXXX XXXX in XX/XX/XXXX. I managed to stay current on the vehicle payments until around XX/XX/XXXX. My husband 's unemployment had run out, and we had no income for 3 months from XXXX XXXX XXXX, at which time I had fallen behind on the XXXX payments. I called BBVA and asked about my options around XX/XX/XXXX or XX/XX/XXXX and was given the opportunity to extend the loan through deferment after making ONE Payment ; this qualified me for a 90-day deferment with an option to extend if the hardship still existed. The deferment was granted in XX/XX/XXXX when I could make the ONE payment that was required, which I made during XX/XX/XXXX. During the same month, PNC Bank purchased BBVA, and the process of taking over the loans began without any correspondence with me and the current status of my XXXX XXXX XXXX loan. I was scheduled to resume my payments in XX/XX/XXXX per the agreement made with BBVA. I did receive correspondence eventually, but this was a generalized letter to all BBVA account holders that stated they would honor the agreements made with BBVA before the takeover by PNC. When I made my XX/XX/XXXX payment, I tried to make an extra payment because I was told if I could make payments during the deferment time, I should do so because the prices at the end of the loan could be too much to be able to pay because of the interest that would accumulate. Because PNC took away the ability to make a payment with a debit card, which was the form of payment I always used with BBVA, I couldn't make sure the money would be removed instantly from my account and not delay the process ; PNC no longer provided this option. I was forced to set up an ACH payment, taking 5-7 days to process. During this time, XXXX unexpectedly debited my account a day prior and left my account with a shortage, and the TWO Payments for the XXXX were returned. When I found this out, I immediately took measures to make the ONE payment not to break the agreement. This payment went through on XX/XX/XXXX which I made early because my payment due date is the XXXX of each month. The following month on or about XX/XX/XXXX, I tried to log into my online account to make XX/XX/XXXX payment and was unsuccessful. I called to have my password reset and was then informed by a representative that my account for the XXXX XXXX XXXX had been charged off on XX/XX/XXXX. I was told to call back because the department I needed to speak with was not open on weekends. I called the following Monday and was told that it was not a big deal ; I could keep the XXXX as long as I made a payment on or before the XXXX day of the month and that as soon as I made my first payment, the 30 day requirement of payments would be in effect. She also encouraged and pressured me to set up ACH payments by using fear tactics that my XXXX was in jeopardy of being reviewed for repossession. I went ahead and scheduled to auto-draft the payment at that time for XX/XX/XXXX. After going over my bills the following day, I decided to call back and push to XX/XX/XXXX to auto-draft and schedule 6 months of payments. Once again, XX/XX/XXXX, came and went, and the withdrawal for XXXX did not try to process until XX/XX/XXXX. I was short on the withdrawal YET again due to other creditors hitting the account with charges I wasn't expecting. As soon as I realized this, I went directly to the local PNC Branch and hand-delivered the payment. IT was immediately deducted from my account, and I decided that all future payments would be hand-delivered. On or about XX/XX/XXXX, I received a text to contact PNC regarding my XXXX loan, and on the same day, I received an email from CFPB about the unlawful repossessions of vehicles by services of auto loans. I then contacted PNC and was told I was given the wrong information when they stated that once I made the first payment, then I would be required to make all future payments within the 30 days so I wouldn't face a repossession review and that my XXXX had indeed been reviewed for repossession and a decision to CURE and ACCELERATE had been mailed. Also, the reason for this was that I failed to make a XXXX payment. He excluded the fact that I tried to make a XXXX payment but had been denied access to do so because my account was charged off in XXXX. I didn't receive this letter until XX/XX/XXXX, and they received my XXXX payment before the letter was sent out. They accepted my XX/XX/XXXX payment, charged off my account, locked me out of my online access during XXXX, and wouldn't allow me to make the payment when I tried to ; they gave me wrong information about how to keep from being reviewed for repossession. After receiving another payment in XX/XX/XXXX, they sent a letter of intent to accelerate the loan by XX/XX/XXXX. I am STILL not past the 30-day mark of them not receiving a payment yet. I have to come up with {$4900.00} by XX/XX/XXXX, or they are coming to take my XXXX, which I have paid over {$45000.00} for to date. Not only this, I received a letter from my GAP Insurance carrier informing me that PNC contacted them and canceled my policy which I have paid, for now over five years. This jeopardizes me in the case of something happening to the XXXX, and I don't receive enough money from insurance to cover the amount that I owe ; PNC can sue me for the remainder of the balance left. How do they have the right to cancel a policy that I purchased, which leaves me vulnerable when they are continually giving me false information that put me in this predicament? I have escalated a complaint with my account through PNC to investigate. I would like to have all recordings and conversations reviewed and the BBVA documents regarding the deferment I was granted before the takeover by PNC Bank. They know what an ACH forces on a consumer, which is why they removed the option of a debit card payment. They force consumers into default who are already having financial stress. That is unfair trade practice, and they know it. Also, the online account portal is difficult to maneuver and without an increased level of skill, you would need assistance to get anything accomplished such as making a payment or requesting additional information on the account. Very hard to recover access if you forget the password. It is almost impossible without a representative and they are the only ones to unlock the account. So then you have to wait on hold to even accomplish the unlocking of your account password. Then they use the safety of the account as a reason for the level of difficulty. It is WRONG!
Company Response:
State: TX
Zip: 77356
Submitted Via: Web
Date Sent: 2022-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have already disputed the inaccurate information on my credit report with PNC Bank NA in accordance with 15 U.S.C. 1681s-2 ( a ) ( 3 ). The provision of subsection 1681s-2 ( a ) is enforced pursuant to 15 U.S.C. 1681s-2 ( d ). PNC Bank N.A . provided an inaccurate open PNC Credit Card Account in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) The consumer ( complainant ) requested to close his BBVA credit card account. Consumer declined the PNC Points XXXX XXXX XXXX Credit Card and rejected the PNC Consumer Credit Agreement. PNC Bank NA falsely reported to the consumer reporting agency that the consumer had an open PNC credit card account. The consumer never open a PNC credit card account.
Company Response:
State: FL
Zip: 33175
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I submitted a complaint to PNC Bank , National Association through my states attorney generals office around XXXX of XXXX. PNC Bank , National Association responded to my complaint 3 months later. With that being said PNC Bank violated section 1022.43 ( e ) ( 3 ). I have record that PNC Bank received my identity theft packet around XX/XX/2021. PNC Bank did not notify XXXX and have the information deleted from my credit report that is the result of identity theft. I am demanding PNC Bank notify XXXX immediately to have the information deleted due to the violation of the regulation referenced above.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: My bank Simple was purchased by BBVA which was purchased by PNC. I struggled to get them to close the account, but eventually gave up and just transferred my funds out instead. Now they're charging a card associated with a bank that was closed over two years ago and charging me predatory overdraft fees that I never consented to because my money was transferred to them without me ever agreeing to their terms of service. They are even threatening to send me to collections even though this whole mess was caused by their refusal to close my account.
Company Response:
State: ID
Zip: 83404
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: New set of problems with PNC Business checking ( XXXX XXXX XXXXt ) Issue # XXXX : PNC is restricting my account in terms of how much amount of money I can get out of this account by ACH. There are no free checks provided and XXXX is limited so how somebody like me can do the business? When I talked to PNC local branch manager ( XXXX ) -I am told that buy some pinnacle kind of service to have higher limit, what? Why in the world PNC bank going to tell me how i should run my business and when I need to pay something and how much? if there is a fraud going on then it's fine but why otherwise? it seems PNC is just looking for creative ways to get money out from the customer. Issue # 2 : Some very basic stuff also - like knowing account # and routing #... it is not straight forward and I need to provide mobile OTP to get it. This is ridiculous. Issue # 3 : Customer service is never available. There is recorded message that it is 20 minutes of wait... NO even after 1 hour ... there is nobody ... then they say-you can provide your phone # to save your spot in line and we will call you back... I have got the calls after 4 days in the past. Issue # 4. PNC challenges me with questions - like what was the license plate number of the car that i was owning in 2005. Do you think that it is reasonable to expect that a XXXX years old guy will remember the license plate number of their car - may be 17 years back???? This is ridiculous. Issue # 5 : If i have setup a ACH out transaction in future and want to edit it then i can not, i can only reduce the amount of that transaction but can not cancel it. That's really so outdated banking.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: PNC Bank purchased my mortgage from XXXX on XX/XX/XXXX. PNC Bank refuses to report my payments ( XXXX XXXX ) to the credit bureaus because I had a bankrupty XX/XX/XXXX. I reaffirmed my mortgage and have never been late with any lenders. I have been trying to reach my attorney by email and phone but no answers. XXXX XXXX XXXX XXXX XXXX )
Company Response: Company believes the complaint provided an opportunity to answer consumer's questions
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/22 a banking error was made by PNC bank to my account in the sum of {$2400.00} check # XXXX. This check was in the amount of {$240.00} and a banker input it incorrectly. They said it would be fixed on Monday XX/XX/22 and it still has not been fixed as of XX/XX/22. I have called and gone down to the bank personally to try to rectify this situation to no avail.
Company Response:
State: PA
Zip: 15146
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In XX/XX/2022 I submitted a power of attorney from my son to have him added to my account so that I could handle his finances. It was returned 3 days later because the notary had not signed it. My son had it redone and I resubmitted it in late XXXX. On XX/XX/XXXX it was declined. The reason given was it was a statutory POA and not a durable POA. They are mistaken because the same POA was used to add another child of mine to my account. Also the POA submitted was drafted in a federal institution and notarized by a federal notary.On XX/XX/XXXX I went to the main branch and spoke to XXXX XXXX. He called the legal dept for PNC. We were placed on hold for about 10 minutes. When the young lady came back on the phone she said she thought she knew what the problem was and that the power of attorney had been submitted incorrectly. She asked him to resend it which he did, And he told me to give it 3 business days for a response After 5 business days I contacted him and he told me that it had not been responded to and to wait anywhere from 7 to 14 business days more. I have been calling off and on since then and each time I'm told there has been no response ... until today. I was read the same reason again from the same letter dated XX/XX/XXXX meaning they still have not responded to the power of attorney that was submitted XX/XX/XXXX. This is totally unacceptable and totally unprofessional for me to have been waiting for someone to do something for 4 months that should have only taken 4 days. This is very shoddy banking practices at its finest. I don't feel that I should have to change banks. I feel that P & c bank should have to do their jobs.
Company Response:
State: TX
Zip: 797XX
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A