Date Received: 2021-11-17
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have tried XXXX different times, twice in person, to close out these accounts since my bank was purchased by PNC and is a mess. PNC has failed to close my empty accounts in an effort to levy fees and continue to earn off these accounts. I dont use them, I dont need them and I have transferred all my money to a real bank. I need these accounts closed. I went in person in XXXX and XXXX and they have failed to still close the accounts and will start charging me for insufficient funds.
Company Response:
State: TX
Zip: 79927
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My initial complaint OF XXXX didn't allowed me to update the XXXX XXXX XXXX of Executive Client Relations AT PNC did to me TODAY after ME being on A call with XXXX XXXX XXXX XXXX XXXX , for XXXX XXXX in total BECAUSE XXXX GAVE ALL THESE EXCUSES & LIES THAT THEY NEVER BLOCKED MY CARD. This woman listed below, ASIDE FROM THE ENTIRE DISPUTE DEPT., AT PNC keeps blocking my credit/refund. XXXX XXXX. Executive Client Relations PNC Bank, N.A. Office : XXXX WAS NOWHERE TO HE FOUND AFTER SHE REQUESTED A 3 WAY CALL. XXXX, GAVE ALL THESE EXCUSES ON NOT GIVING ME MY CREDIT. SHE INSISTED I DO THE LEG WORK & DO A 3 WAY CALL WITH XXXX XXXX WHEN I GOT THE STREAMING COMPANY ON ThE LINE, I THEN CALLED HER, AND IT WENT INTO VOICE. THE VENDOR ASKED TO TRY AGAIN. ON THE 3RD ATTEMPT, BACK TO VOICEMAIL. XXXX WENT M.I.A. ON THOSE 3 ATTEMPTS, XXXX XXXX CLEARLY STATED TO on her voicemail to RETURN MY MONEY {$47.00} {$35.00} {$47.00}. Imagine, the vendor telling this good for nothing bank on her voicemail to RETURN MY MONEY, and she refused this money hungry bank. Check out the attachment on the incompetency of XXXX XXXX of PNC. AGAIN, ONE MONENT SHE WANTS TO HEAR XXXX MERCHANT TELLING THEM TO RETURNED MY MONEY, XXXX NEXT, INCOMPETENT XXXX NOT BEING SATISFIED WITH THAT. CFPB, I TOLD YOU FROM THE START THIS BANK IS SALIVATING FOR MY MONEY. THEY SHOULD BE FIRED STARTING FROM XXXX & EVERYONE IN THE DISPUTE DEPT. FOR THE GROSS NEGLIGENCE. PLEASE KEEP THIS AS A COMPLAINT TOWARDS XXXX XXXX OF PNC BANK OR ADD TO THIS COMPLAINT THE END RESULT. THIS BOLOGNE THAT SHE WAS WORKING ON IT WHEN SHE TOOK A DAY OFF LAST WEEK. WORKING ON WHAT? GIVING CONSUMERS XXXX. BELOW WAS MY FRUSTRATING EMAIL I SENT. SHE BETTER GET ON THE PHONE & call the merchant herself since they left her 3 messages to return my money. She's so ignorant that I won't deal with her incompetency. Period. -- -- -- -- - Forwarded message -- -- -- -- - From : CC> Date : Mon, XX/XX/2021, XXXX XXXX Subject : You Went MIA???????? To : XXXX XXXX Fwd : You Went MIA? XXXX Frustrating being on the phone resolving this matter when it was PNC duty. Go into your voice inbox since we tried three times to 3 way the call. I even sent you a message to stand by for it, and you didn't. Heard enough of PNC EXCUSES. XXXX, from XXXX XXXX streaming company left you a DETAIL message to put my money back in my account as follow : {$47.00} {$47.00} {$35.00} PNC HAS GIVING ME THE RUN AROUND WITH BOGUS EXCUSES. JUST PUT MY MONEY Without BLOCKING IT PER XXXX XXXX XXXX. DONE REACHING 2 YOU, XXXX VIA EMAILS & CALLS, AND YOUR UNAVAILABILITY OF THE 3 WAY CALL YOU Requested, BUT WENT VOID | M.I.A. PNC ARE THE WORST. THE MONEY DOESN'T BELONG TO Y'ALL, SO STOP THIS NIGHTMARE. SHAME ON Y'ALL. DONE WITH YOU. DO YOUR JOB AND GIVE ME MY MONEY TODAY. EIGHT MONTHS OF XXXX WITH INCOMPETENT REPs of PNC. PERIOD. MY INTEGRITY SUPERCEDED PNC LIES & EXCUSES. Y'ALL PUT A BLOCK. GO FIND THAT TAPE. GOODBYE. GIVE ME MY MONEY. DISSATISFIED CUSTOMER. LOUSY SERVICES IN THE ENTIRE SENSE.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: XX/XX/XXXX *Date and $ amount is approximate. See Attached [ ATTM ] for copies of actual documents for my complaints of this case. { This is a complaint against PNC Banks corrupt business practice conspired with XXXX and previously filed a complaint against XXXX ( Cross References [ XXXX ] Complaint ID XXXX and XXXX ; dated XX/XX/XXXX ). These complaints are against PNC Bank and XXXX. On XX/XX/XXXX, we applied for mortgage PNC Bank loan # XXXX On XX/XX/XXXX, we received conditional approval for the loan. On XX/XX/XXXX, we were asked to pay {$540.00} for the appraisal and credit report. PNC Bank told us to sign a waiver of receipt for the amount we paid. We were notified via emails by the PNC Bank that our property have 4 ( four ) liens : ( 1 ) $ XXXX [ ATTM XXXX ] ; ( 2 ) $ XXXX [ ATTM XXXX ] ; ( 3 ) {$3800.00} [ XXXX XXXX and XXXX, XXXX XXXX ] ; ( 4 ) {$890.00} [ XXXX XXXX, XXXX. ] We replied back to PNC that we know nothing about $ XXXX and $ XXXX debts and the other debts from XXXX and XXXX have been discharged on XXXX XXXX, XXXX, by the Federal Bankruptcy Court Case No. XXXX. We researched lien on our property and there are none recorded and no property lien judgment was entered. PNC Banks XXXX XXXX Default judgment in XX/XX/XXXX was superseded by XX/XX/XXXX, State Courts judgment Indefinitely continued- Indiana XXXX Court Case No. XXXX XXXX XXXX, XXXX. ] and immediately followed by Order of Federal Bankruptcy Court on XXXX, XXXX, XXXX Discharged XXXX and XXXX. [ XXXX XXXX ]. No creditor filed in the federal bankruptcy court for their claim of money or dispute. [ XXXX XXXX ]. CONCLUSION : 1. PNC Bank should have a title search before giving us Conditional Approval and took ~ {$600.00}. from us. Had PNC Bank done that we will not pay the fees to continue the loan process. 2. PNC Bank contacted the discharged debtors without our consent. PNC Bank and discharged debtors ( XXXX, and XXXX ) conspired to claim lien and money to get paid from a new loan in progress as the conditional of the loan is amounts to a conspiracy to commit fraud and violation of XXXX. [ XXXX XXXX, XXXX. ] 3. Lien Holder must sign and certify the release/waiver of lien unconditionally [ XXXX XXXX. ] 4. Copy of XXXX XXXX as follow ( PNC Bank officer wrote ) : ================================================================== XXXX, XXXX XXXX Fri, XX/XX/XXXX at XXXX XXXX To : cc XXXX Cc : " XXXX, XXXX '' XXXX, `` XXXX, XXXX XXXX '' XXXX XXXX XXXX XXXX, XXXX '' XXXX As I explained before, you have three options : 1. Pay the liens off with the proceeds of the new loan. If you want to go this route, let us know by Monday so we can finalize everything and get this closed for you by the end of the month. 2. Petition the court to have the liens removed and once they are removed, reapply for the loan. The appraisal is good until XX/XX/XXXX so if we go past that date, we will have to get it updated and there will be a fee for that. 3. Cancel the loan and we will request a refund of your appraisal fee but my boss was very clear that even though we request it, we are not stating it will be refunded. We have a team that decides whether the fee can be refunded. [ Quoted text hidden ] [ Quoted text hidden ] ==================================================================
Company Response:
State: IN
Zip: 46254
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: PNC bought out my bank about a month ago and I have not been able to on-line banking since then. I have call customer service and several times and even went into a branch. I have yet to get a person on the phone even after waiting over 30 min. and they could not help me at the branch. I need access to my money and they are making it extremely difficult.
Company Response:
State: TX
Zip: 75093
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.
Company Response:
State: FL
Zip: 33071
Submitted Via: Web
Date Sent: 2021-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: My father had an IRA with BBVA which he was allowed to set up without a beneficiary, unfortunately. He passed away intestate. I have been trying to obtain hard copies of BBVA/PNC 's bank instructional information regarding this situation from BBVA/PNC for months now . Specifically, I've asked for a custodian agreement or whatever policies the bank ( s ) have for accounts with no beneficiaries. I've called and left voicemails with the legal department ( do not have dates but sometime between XXXX XXXX ) and have not received a response. I faxed the fulfillment department on XX/XX/XXXX and have not received a response. I visited a branch in the next state over ( there are no branches in my home state ) on XX/XX/XXXX and waited in line for 30+ minutes to meet with someone for this information. I spoke with XXXX XXXX, the branch manager at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, who advised me that he would have to call the legal department and the wait would be 40 minutes. He gave me his business card and told me he would help me over email. To date, he has not responded to any of my emails ( sent : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - today ). The only information I have been able to obtain by phone ( previously and this evening on XX/XX/XXXX ) is that to transfer an account after a death, a death certificate and either : 1 ) Letters of Administration, 2 ) Letters Testamentary, 3 ) Affidavit Claiming Successor, 4 ) Court Order, or 5 ) Muniment of Title/Affidavit is needed. I am unable to obtain the Letters of Administration from the Court without a document from the bank saying that the letters of administration are needed due to the length of time that has passed since my father 's death. BBVA/PNC has told me the only way to obtain a " printout '' of this information is to go to a branch and request it. How is this even possible in this day & age? I have already done this unsuccessfully and the nearest branch to me is 182 miles away in the next state. Additionally, the branches DO NOT ANSWER their phones so it is not possible for me to set up an appointment to meet with someone. The website does not have an option to set up an appointment electronically either. I've been told that in order to transfer the account when I do have the Letters of Administration, I also have to do this in person. This is the first time I have encountered this issue in any of the accounts we've had to transfer for Dad and unduly burdensome since PNC/BBVA does not have any branch locations near me. All other accounts with other institutions have been transferred remotely after faxing/emailing/mailing information. I'm able to provide the emails sent to XXXX XXXX as well as the fax ( and confirmation ) sent to the fulfillment department upon request.
Company Response:
State: OK
Zip: 73162
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I attempted to purchase a laptop online from XXXX XXXX with my PNC Visa debit card through my business account, XXXX XXXX XXXX XXXX XXXX and was declined. As a result, I checked my bank account to find multiple fraudulent charges that began on XX/XX/XXXX. I took a screenshot of both posted and pending charges and called PNC for my records, with the intent to use them to dispute those charges. The fraudulent charges included an ACH payment for {$12000.00} to XXXX XXXX. I have made it clear to PNC as well as the police that I do not know XXXX XXXX, nor have I shared my sign in credentials with her. As I searched through my online account to find that PNC had allowed someone named XXXX XXXX to add themselves as a sub-user to my account without vetting her or even notifying me. Moreover, PNC did not notify me of any of these unusual transactions happing on my account. I have had this account since XXXX, and the largest payment I have made was {$2000.00} to this point. If PNC had been monitoring my transaction history, as promised, they would have been able to easily notice a alarmingly severe change in spending habits. These transactions totaling more $ XXXX in a weeks time, should have been a red flag to any banking institution. I called PNCs customer service number daily to dispute charges as they appeared in my online account. Each day, PNC Customer Service Reps informed that disputes were being submitted against the transactions I noted as fraudulent. there was a request to reverse the of all posted charges submitted, but I had to call back the next day to dispute the pending charges. I called PNC back on XX/XX/XXXX to dispute the charges, but was told nothing posts on Sundays, so Id need to call back tomorrow. I called back on XX/XX/XXXX and disputed all newly posted charges again. By Tuesday there were more charges pending to post to the account. There was a total of 17 fraudulent transactions between XX/XX/XXXX and XX/XX/XXXX totaling {$28000.00}. ( see attachments for details ) On XX/XX/XXXX, I was informed by PNC customer service representative, that I needed to go into my local PNC branch to request a debit block. This in contradictory to what I was previously told buy a PNC customer service rep on XX/XX/XXXX, when I initially called. I went into the XXXX, MD branch and met with XXXX XXXX, VP Bank Manager. He walked me through opening a new account and transferring the remaining {$3000.00} into that new checking account. He had me sign papers to place a debit block on the account that had experience fraud. The next morning, I woke to find the old account was now more than {$14000.00} in the red. I again called PNC customer service, to find out how an account with a debit block could have experienced more theft. I was informed by PNC customer service rep the Bank manager, XXXX XXXX, placed a debit hold on the new account, instead of the old one. At that time, I was also informed that the most recent overnight transactions would have a hard stop placed on them, so they would be rejected and not paid. After being disappoint by PNCs handling of and their failure to protect my identity and funds, on XX/XX/XXXX, I filed a police report ( XXXX ) with XXXX County Police Department with Officer XXXX ( # XXXX ). Officer XXXX has been in contact with me over the past 2 months detailing the unfolding ongoing investigation into the fraud on my behalf. He has sent subpoenas to al vendors involved, as well as PNC Bank. He informed me that PNC received the subpoena on XX/XX/XXXX, but as of XX/XX/XXXX, they have not complied or responded. The phone numbers XXXX XXXX added as her own were used for the XXXX and XXXX rides. I have done a reverse look up and attached screen shots of that information. Additionally, Officer XXXX has found via subpoenas that these phone numbers were used for the fraudulent email addresses and XXXX rides. Please be aware the investigation continues. On XX/XX/XXXX, I received two notices in the mail stating that someone had made online applications to open new accounts at both XXXX XXXX and XXXX XXXX but were ejected. Luckily, I had previously placed a credit freeze on all three of the credit bureaus. However once PNC stopped payment to XXXX, I began to receive collection notices from XXXX XXXX XXXX. I had to submit my signed affidavits with PNC and my police report to dispute these charges. I finally received notice from XXXX stating these charges were no longer attached to me. Oddly enough, these transactions are still listed as only a pending reimbursement in my PNC account. I have asked repeatedly how long this will take to clear up. Each time I get a different answer. I have been told 60 days, 90 days, 100 days and most recently I was told 120 days. I was contacted on XX/XX/XXXX, by XXXX XXXX, who identified herself as my Case Manager in the Retail Support Department. I had been in contact with Ms. XXXX to update each other on the case. On XX/XX/XXXX, I was informed by my Case Manager that PNCs investigator has informed her that PNC will NOT be refunding me the fraudulent {$12000.00} ACH fraudulent payment to XXXX XXXX. Their reason is because I took more than 24 hours to notify them of this fraudulent transaction. As stated earlier, the transaction took place on XX/XX/XXXX and I noticed it XX/XX/XXXX. I not only demand these funds be returned to me, but I want interest that I would have received with my full {$31000.00} would have accrued between XX/XX/XXXX, when these transactions began and when I receive my full reimbursement. On that day, my case manager put me in touch with XXXX, a third-party platform PNC contracts with to transfer funds. After speaking with XXXX, they informed me that they are not responsible for those funds. Moreover, they informed me that PNC is responsible for vetting individual added to the account and the transactions they perform. After speaking to my Case Manager again, she assured me shed request that the investigator re-review my case. I have not received any reimbursement as of today, XX/XX/XXXX.
Company Response:
State: MD
Zip: 21133
Submitted Via: Web
Date Sent: 2021-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-15
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: For over SIX weeks now, I have been unable to access both my business and personal accounts with PNC Bank after the transition from BBVA. I have access to each account individually but can not transfer any funds between the accounts since early XXXX. I have spent 3 hours in the branch and spoken on the phone with multiple supervisors and escalations departments in personal banking, online banking, and business banking. These conversations have totaled approximately 15 hours of time with ZERO results. The only answer is that accounts have been linked correctly, and now they are just waiting for their computer systems to process the change so that all of my accounts can be seen under one online login ( which would finally enable me to transfer funds between my business and personal accounts ). However, their computer system has not completed anything in over 4 weeks now. I am hearing this is happening to THOUSANDS of clients that had both business and personal accounts with BBVA that transitioned to PNC. This is unacceptable and has become a detriment to my business since I can not transfer funds between the accounts.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2021-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-15
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I had a auto loan through XXXX previously and the bank was purchased by PNC. It took me months to actually get access to my account. I finally ( after being hung up on at least 10 times ) got access to my account, got logged in and made a payment. 6 days late... That said logged into my account for the second month and tried to make a payment. This time everything appeared normal, except when clicking on submit. Get an error on the page that said the payment couldn't be scheduled. Tried to do a second time, with same error. Proceed to try to add a new external account and it informs that I can't have the same account added twice in the online portal. Proceed to delete the original as following directions on the website, and it informs me I have scheduled payments? How could this be? Oh looky there, PNC has now two scheduled payments and 0 ways to unscheduled a payment. Payments they informed errored out so we submitted again. Yet they are still going through. Customer support is not available to fix the issue. PNC shouldn't be in charge of managing a XXXX yet alone peoples money and lively hoods. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CO
Zip: 807XX
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-14
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: BBVA Compass Bank was sold or merged with PNC Bank in XXXX. All accounts were officially moved on XX/XX/XXXX - this is a brief summary of the significant snafus and errors made and that continue to exist with my accounts. Note I have both my personal checking accounts and my small business accounts at this bank 1. The bank is unable to provide transaction details that account for a reduction in the balance of my small business checking in the amount of {$32000.00}. There is a gap in the online account details from XXXX to XX/XX/XXXX and the online balance differs from my calculated balance by the above amount. 2. The bank is unable to provide transaction details that account for a reduction in the balance of my personal checking in the amount of {$2000.00}. There is a gap in the online account details from XXXX to XX/XX/XXXX and the online balance differs from my calculated balance by the above amount. 3. For a period of approximately 3 weeks following the merger I had zero access to my accounts for the purpose of monitoring, transfering, or making online payments. This was especially problematic for my small business accounts. 4. After hours and hours on hold on the customer support line- I estimate I was on hold for a total of over 20 hours - I was finally able to access my accounts- but I needed two separate login ids for my personal and my business accounts - rather than all my accounts managed from one dashboard as I had with BBVA. This is a big problem and hardship for me as I need the ability to transfer funds between my personal and my business accounts for my day to day operations and I have lost this functionality. They have combined my personal line of credit and my personal visa card on the business dashboard -- but they can't seem to be able to combine my personal checking with business banking. After significant more hold time I was told 2 weeks ago to give them 5 business days to combine the accounts. As if XX/XX/XXXX this has still not been handled.
Company Response:
State: TX
Zip: 77055
Submitted Via: Web
Date Sent: 2021-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A