Date Received: 2021-11-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello, My name is XXXX XXXX and I am seeking legal advice on a fraudulent activity from BBVA. The company BBVA repossessed my car on XX/XX/2020 without a letter of notice. Before this took place, I spoke with a BBVA representative on XX/XX/XXXX and they told me I was behind {$1200.00} for car payment. I sent them a check in the amount of {$920.00} and a money order for {$300.00} on XX/XX/XXXX. I was under the assumption that everything was fine as I never received any notification that an order was sent out for repossession on my vehicle. Then, to my surprise they took the car on XX/XX/XXXX. When I called them they stated that the check I gave them was lost and never received. They reported on my credit report that my outstanding balance was XXXX and they sold the company to someone else. Now, today XX/XX/XXXX, I checked my bank account and it is over drafted {$920.00} from the check that they stated was lost and never received. I need to dispute this fraud immediately. An investigation claim needs to be opened on this company. I need the check amount placed back into my bank account. I called them today to find out why they did that and they replied saying they had the check and money order and had applied it to my account. I told them that I no longer have an account with them as my balance was reported XXXX. Please advise on how I can take legal action. THANK YOU! Regards, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX Fraudulent Company : BBVA XXXX
Company Response:
State: FL
Zip: 32703
Submitted Via: Web
Date Sent: 2021-11-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-07
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I, a consumer and natural person recently became an applicant when I applied for a consumer credit transaction with PNC bank. After submitting my application, PNC denied me of my right that I exercised in good faith of extending my credit. Pursuant to 12 CFR 1002 Regulation B, it is unlawful to discriminate against me and not allow me to exercise my right in extending my credit through their financial institution. This caused me some small damages and inconveniences due to the fact that I intended on immediately utilizing this credit extension for some family and household purposes.
Company Response:
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2021-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on PNC BANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. Below are the accounts that are reporting on my Credit Reports : 1. PNC BANK XXXX Balance {$44000.00} ; 2. PNC BANK, NA XXXX Balance {$3100.00} ;
Company Response:
State: GA
Zip: 318XX
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2021 I was advised by a vendor that my PNC Visa credit card rejected their recurring credit card charge. I logged into my PNC customer portal and my credit card account was missing. I no longer had access to any of my account information including my monthly credit card statements. This creates a dilemma for me since I signed up for PNC 's paperless service and abruptly I no longer have access to my paperless records. These records are needed for income tax accounting purposes. I called PNC and was advised that a hold was placed on my account due to suspected fraudulent transactions. I obviously have no objection to that in light of the rampant fraud currently being perpetrated. All I'm requesting is access to my online records so I can download my paperless statements.
Company Response:
State: FL
Zip: 33496
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I'm a BBVA ( now PNC ) customer. My company ( about $ XXXX/yr ) was already at PNC so I thought this transition would acutally be helpful, having it all under 1 roof. I recieved information & instructions about the transistion and all looked good. I received a new ATM card that I was told to activate. Little did I know that my old ( BBVA ) card would be cancelled at that point. The new card didn't work citing 'chip malfunction ' in the store. I tried to go online and was ( as expected ) redirected to PNC. The old credentials didn't work as they said it would so I had n access to any of my accounts ( checking + savings ). Called customer service which went to a call center ( sounded like XXXX ) and was hung up on after 14 minutes listening to elevator music. Looked for a local branch to visit in person, found one nearby ( XXXX AZ ) which turned out to be a solution center, so I thought yay. The banker (? ) told me he would fix it. Got a new ATM card right there, checked it right away in the ATM there and seemed to work. Online access got fixed too but the phone App did not. Alas, at least I would access my account and use my card, after 2 weeks. He wrote my account number on his businsess card so I would modify all my bill pay, including my accountant for my paycheck. Also I noticed I got overdrafted because I had no access to my accounts ( saving had $ XXXX in ). WAs unable to link new ATM card to XXXX XXXX, said I need to call customer service. I gave up on that one. Quickly moved {$260.00} or so to undo the overdraft. Few days latwer I checked there was still {$0.00} overdraft. I couldn't fix this because the minimum transfer is {$0.00}. Noticed 1 day after payday that my paycheck wasn't there. Came to realize that the account number that the banker gave my was a completely different number from what I could see online. Fortunately paycheck bounced and didn't go to a strangers account. Had to move more $ out of savings to be able to pay bills on time. Went back to the XXXX XXXX ', got a cashiers check for my savings acount ( $ XXXX ) and deposited it at a new local bank, at least that worked, yay Fortunately I downloaded most bank statements ( from BBVA ) as PDFs ( except XXXX ) so at least I have most history, because that got lost too. I've work in XXXX and this is by far the most incompentent bank I've ever dealt with. Whatever I've written isn't embellished in any way.
Company Response:
State: AZ
Zip: 85249
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My company has over {$10.00} XXXX on deposit with PNC Bank spread over approximately 30 accounts. We have not been able to get online access to bank account activity or generate bank statements since XX/XX/XXXX. PNC Bank representatives have often not responded to phone calls or emails or have been very slow to respond. The responses received to any questions are usually " I don't know '' or " We are working on it ''. This matter has now been unresolved for 4 weeks and we need to have access to account activity to maintain normal business operations. Thank you for your attention to this matter.
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On Sunday XX/XX/2021 I placed an XXXX order which is funded by my PNC debit card ( recently Compass bank ). I cancelled the order within an hour. XXXX acknowledged the cancelation and said they don't debit the account until the item actually ships. Online I was able to see the hold PNC had placed for the {$350.00} for said purchase. XXXX contacts the bank and has a hold put on the purchase amount, but does not actually transfer the funds until the purchase ships. I had the bad fortune to make this transaction as PNC was switching all Compass accounts. I have been in the physical bank on 4 occasions and on the phone numerous time to no avail. I have been put on lengthy holds and twice disconnected. The branch manager filed an escalation for me, but I can get no information on it's status. I spent over a month now trying to resolve this issue with the bank. It is now time to escalate the issue to the banking authorities. ( my PNC account # is XXXX to help in tracking this issue )
Company Response:
State: AZ
Zip: 85119
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: PNC bank purchased BBVA and on XX/XX/XXXX stopped all access to accounts via email to accomplish the cutover by mid next week. From XX/XX/XXXX to XX/XX/XXXX I had no visibility of my accounts. I made numerous phone calls and visited the branch bank where I could at least get some info. Only by accident on XXXX XXXX, while checking my account did I see visibility of what was in each account. No email or phone call telling me it was fixed. With out my checking myself I would have never know it was fixed. It is unheard of for a major bank to XXXX up a conversion this bad. They admitted in a phone conversation that they had attempted to do the conversion with in house IT people, FIRST MISTAKE. SECOND MISTAKE, not providing an apology or compensation to affected customers for their screw-up. I have since removed most of my money and am contemplating closing the remaining three accounts. So far a terrible bank to do business with.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I had an account with BBVA USA. PNC Bank bought BBVA USA, and their goal was to automatically convert all BBVA USA customers into PNC Bank customers. I do not want to be a customer of PNC Bank, so I waited for the documentation explaining how the acquisition would happen. I received in the mail a document called " PNC Consumer Disclosures and Agreements '', which states on page 21 : " You don't need to sign this Agreement. When you sign the signature card, electronically acknowledge that you agree to the terms and conditions of the agreements provided on the " Terms and Conditions '' page of the online account application, use your account ( s ), or add/change services connected to your account, you are agreeing to the terms and conditions of this Agreement '' I also received in the mail a document called " PNC Business Disclosures and Agreements '', which states on page 14 : " You have agreed by signing the signature card and/or by using your account on or after the opening date '' So, I intentionally did not do any of the above, and the statement in the " PNC Business Disclosures and Agreements '' document is false. In fact, it could not possibly be true since the document was received prior to accounts at PNC Bank being opened the weekend of XX/XX/2021. Then, I began receiving letters in the mail about an account in my name at PNC Bank. I have called several times, and was never given an explanation as to how there is an account in my name at PNC Bank when I have never agreed to that. The latest representative that I spoke with on XX/XX/2021 actually confirmed that what happened with the accounts was specifically not in accordance with what I received in writing from PNC Bank. I asked, specifically, whether what happened is different from what I am reading in the document referenced above ( which I read aloud to him ), to which the representative answered, " Yes, that's correct. '' If I am unable to resolve this through the Consumer Financial Protection Bureau, then I will have to go to court to force PNC Bank to comply. I never agreed to an account with PNC Bank. They ask on the phone if I want to close my account, to which I answer that I do not have the authority to close any account at PNC Bank because I have never agreed to any terms or conditions for an account there, and that there should not exist an account at PNC Bank under my name. I have attempted to resolve this with PNC Bank directly for both a personal checking account and a business checking account, both of which were fraudulently assigned to me in PNC Bank 's attempt to " automatically '' acquire customers, regardless of their desire to have a financial relationship with PNC Bank.
Company Response:
State: AL
Zip: 35242
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Hello, I was a Compass/BBVA account holder for over 20 years and have been mired in the PNC transition for almost a month now. Since XXXX I have been denied access to my personal account, money market account, and primary business account. I have only had access to a single business account that I very infrequently use. On XXXX I was told the IT department was having some issues transitioning all of the accounts and it should be resolved before the end of the week. On XXXX I visited a local branch and was told the same story- they were overwhelmed with issues and working to resolve it. I went to make a cash withdrawal, my driver 's license had expired 30 days prior and I have an appointment with the DPS for it's renewal. In spite of my BBVA debit card and new PNC debit card in my possession and presented to the teller, due to my expired driver 's license the tellers would not allow me to make a cash withdrawal without a 2nd form of ID. On XXXX I spoke to my local bank manager again about my lack of account access, but this time I was told they needed to submit a " link request '' to the IT department on my behalf in order to link my missing accounts. I was told this process would take 5-7 business days. As of XXXX nothing has changed and I have received zero communication from PNC about the issue and/or their attempts to resolve it. Multiple requests for support that I submitted via the app and through the on-line portal have never been responded to. I would close my accounts, but having never expected this issue I have not downloaded my financial data and transactions for 2021 taxes. I fear if I close these accounts before receiving full access from PNC I will never be able to access this information again in the future.
Company Response:
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A