Date Received: 2021-11-04
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I attended a XXXX about Real Estate business and gave the XXXX XXXX XXXX XXXX XXXX my confidential information in hopes that they would give me some terms to elect from in order to be taught and trained by their XXXX XXXX XXXX, Not only was I never given any training but the XXXX XXXX XXXX XXXX XXXX created fraudulent Credit cards in my name totaling over $ XXXX, where I was told that the training I was interested in was less than XXXX. I was under the impression that they had their own financing program and that I could pay as I was taught. I never was told that they were going to fraudulently apply for over XXXX of credit cards without my authorization or knowledge and then forwarding XXXX dollars into their own account. The account I am reporting here is the PNC Bank. I have attached a copy of the statement where I received a newly acquired credit card having a $ XXXX withdrawal made into the XXXX XXXX account by the XXXX XXXX XXXX XXXX XXXX See attached ( PNC_ReceiptForFraudulentAccount.pdf ). I made repeated attempts to get the XXXX XXXX XXXX to resolve my fraud situation or resolve my fraud situation, but to no avail. I then took my documentation to the XXXX XXXX XXXX because I am a Senior Citizen of 68 years of age and this criminal act has robbed me of my life 's savings and all of my XXXX and XXXX XXXX XXXX represented me for free under their XXXX XXXX XXXX program for free.. XXXX XXXX XXXXXXXX , under the assistance of Attorney XXXX XXXX , fought my case and won!, but the PNCBank still would not respond to my attorney.s inquiry. See Attachment ( XXXX ). Attorney XXXX has since taken anew job in the private sector and could not proceed with representing me against the PNC Bank. She recommended that I seek assistance from the CFPB which is why I am appealing to you. Here is thanking you in advance for any assistance you may provide me with in hopes of helping me resolve this horrific nightmare, I am really struggling to pay these extreme payments and I don't know how long I can continue to do this without my health completely failing. I will be glad to assist you with any questions you may have and do not hesitate to contact me for any reason at ( XXXX ) XXXX. Thank You. Respectfully, XXXX XXXX.
Company Response:
State: GA
Zip: 30253
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: Deposits and withdrawals
Consumer Complaint: I've had reoccurring issues of not having access to cash from PNC bank. I've been told they couldn't fill a $ XXXX cash withdrawal which is absurd. Most recently on XX/XX/2021, I needed $ XXXX cash withdrawal when that account had over twice that " available ''. The branch said they cant fill that order, they didn't have enough cash .... in discussions with the bank manager there they had something like $ XXXX cash on hand and thus didn't think they could give me " so much '' of it. I dont know how that is even legal for them to refuse access to funds. I told them it's not acceptable to deny the cash and I need a resolution the same day ( was buying a car ). I had to drive 40 mins from home to a branch that had cash for me...
Company Response:
State: MI
Zip: 48439
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: PNC Bank took over all of my BBVA accounts as part of their merger/purchase. My checking account and credit card account are visible on the PNC website and funds are available. However, I also had a Savings Account with BBVA, account number XXXX XXXX XXXX, with a balance of {$3200.00} which as " disappeared ''. It is not listed on the PNC website. I contacted PNC and after much difficulty, was able to speak with an agent who informed me that the Savings Account was used as security for my BBVA credit card, and that PNC does not use Savings Accounts for credit card security. She explained that the money from that account is now simply a " deposit '' for the credit card. I have no receipt for that money and PNC is not willing to provide me a receipt for the money. I have a credit card with a limit of {$2800.00} and a Savings Account that had a balance of {$3200.00} - a {$380.00} difference. All I want is a receipt for the funds that were in my Savings Account and a final savings account statement showing what happened to the money that was in it. Right now, I am missing {$3200.00} with no savings account and no receipt showing where that money is. If PNC can not provide a receipt, I want the credit card cancelled ( there is no balance owed on the credit card ) and a check mailed to me ASAP for the {$3200.00} that was in the savings account that PNC closed. Thank You
Company Response:
State: CA
Zip: 925XX
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: PNC bank took over BBVA They disabled online banking access ( bbva ) and said the login is transferred to PNCs website. But my credentials wont work there, I cant reset my password, and cant register for online banking. Ive called their 1888 number 3 times and waited on the phone for 30 minutes each time and it no one ever answers. I have no idea what my balance is or how to even make a payment now. This is really shady. They sent me my new credit card ( PNC ) but no statements.
Company Response:
State: WA
Zip: 98087
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2021 I was attending a family wake and funeral in XXXX Kentucky. The services lasted from XXXX XXXX - XXXX XXXX. At the end of the day I went to check on my emails and noticed several withdrawals from my account made via XXXX. They were made to a XXXX XXXX in the amounts of {$100.00}, {$300.00} and {$500.00} at XXXX. Both the name and email have never been used by myself. I immediately went to a local PNC Bank and filed a dispute, changed my password, froze my account and set up XXXX pin for transactions. I met with Branch Banker XXXX XXXX NMLS ID XXXX at the XXXX Branch in XXXX KY XXXX. I did everything I was supposed to do. I received a notice from PNC Bank that the said, " dispute has been resolved. During our review of your account and the documentation available to us, we determined no error occurred and that the transaction ( s ) was processed as instructed. You have the right to request documentation we relied on in making our determination. I called PNC again and asked for the documentation used and they didn't have any. They told me to contact XXXX. I tried to contact XXXX and they refused to speak with me indicating, " As per their terms and conditions, they reserve the right to no longer due business with me '' So XXXX is refusing to speak with me and I am still out {$900.00}. Its been 6 almost 7 weeks and after the 3 time trying to dispute the charge with PNC I still do not have any answers or money. XXXX XXXX from PNC is elevating it to the XXXX XXXX but how long should this take? Does this not fall under Regulation E, part of the federal Electronic Fund Transfer Act, requires banks to refund consumers for fraudulent transactions on their accounts? Attached is the most recent dispute resolution sent by PNC Bank. They didn't even bother putting it on letterhead this time.
Company Response:
State: KY
Zip: 40245
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I had contacted PNC Customer Service via telephone on XX/XX/2021 about incorrect charges being placed on one of my accounts, monthly. The customer service rep acknowledged that the $ XXXXmonth charge was incorrect and refunded the fees. Even though there is a minimum balance required, since I have multiple accounts at PNC that are all linked, the aggregate balance should have exempted all my accounts from the monthly service charge. Hence the customer service rep refunded {$130.00} for 12 months of incorrect fees ( the maximum he could do, even though the service charges dated further back ). He further stated that this will be fixed and I should not be charged this service fee in the future. This was on XX/XX/XXXX. I wrote a letter to PNC on XX/XX/XXXX stating that the fix still had not been applied to my account. I have been incorrectly charged $ XXXX/month since XXXX. As of today ( XX/XX/XXXX ), PNC has yet to fix this issue. They continue to incorrectly charge my account $ XXXX/month.
Company Response:
State: MI
Zip: 48188
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I am a Client of BBVA Compass Bank. This bank was acquired by PNC Bank. PNC bank sent notice that the new portal will have all our accounts transferred on XXXX. Schedule - published XX/XX/XXXX - Friday XXXX - Online and mobile access not available XX/XX/XXXX - Tuesday Transfered to PNC Bank and start using PNC Bank . Unfortunately nothing happened. XX/XX/XXXX - onwards - No access to accounts online or thru app.. XX/XX/XXXX or XXXX have access to personal account called virtual wallet and another business account that is not much used. No access to my main accounts and funds.. or the bill pay for paying bills. phones didn't work. current branch in XXXX is overwhelmed by crowd a no one is having access. We were asked to come back XXXXFriday again went to bank and after waiting for an hour, they asked me to fill the form with all the bank accounts that i need access and they would then link them. - XXXX time 3-4 days No response or change - no response to calls. XX/XX/XXXX - No access and no response from bank XX/XX/XXXX - called again - Still no access to bank. This time they asked me again to give them the account details so they can link. MEANWHILE ALL NY PAYMENTS FROM BILL PAY ARE DELAYED AND I DONT HAVE ACCESS TO MY BUSINESS ACCOUNT FROM XXXX ONWARDS. Auto payments to bills worked fortunately. XX/XX/XXXX - ACCESS TO ACCOUNTS BUT NO BILL PAY DATA. Now they are telling me that i have to enter all the data again. I complained to the supervisor and they said the super visor will call me - No response since 2 days. Please help. I don't have access to the bill pay nor do i remember the 40 -50 accounts that i setup. nor do i have the time to enter it all again.. Absolute horrible service by the bank and holding us hostage by not giving us access to our funds.
Company Response:
State: TX
Zip: 78759
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My unemployment checks were deposited to my Mother 's checking account at BBVA ( now PNC Bank ) for 10 months. I was never able to get to the bank with my mother to add me to the account, so I was not on the account. in XXXX of XX/XX/2021 the bank flagged the deposits and froze my Mothers account. That was understandable, I was not a signer on the account so my money should not have gone into her account. Lesson learned. We waited a few months expecting to get the closing balance but it never came. My Mom sat on hold every day on her lunch break for months trying to reach their Enterprise Fraud Department to get some answers as to what we should do. There were a few occasions she actually sat on hold for over 2 hours and spoke to a person who had no idea what was going on, a few CS Reps told her that they had mailed a check to her for the balance, another said the money was sent back to the Unemployment department, one told her she was lying as they claimed she had withdrawn the money herself. The date is XX/XX/2021, and still, they are giving her the runaround. Recently, My Mom was contacted ( after filing a complaint herself with CFPB ) by XXXX XXXX from PNC 's " Client Relations '' to figure this out. Well, fast forward a little more than 3 weeks and still, nothing has been done save for a few one-line replies to emails informing My Mother `` We are still researching this concern ''. I mean what is the problem? Is there anyone who actually accounts for the money these people are for all intents and purposes, stealing from people? It's beyond ridiculous and should be addressed.
Company Response:
State: TX
Zip: 77070
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I am now an account holder at PNC Bank as a result of their recent acquisition of the U.S. operations of BBVA Bank. Shockingly, PNC is not making digital access available for past statements before XXXX of 2021. While a customer of BBVA was told that should I elect to forgo paper statements that I would have access to 7 years of past statements. This remained true until XX/XX/2021, when the transition to PNC occurred. Current PNC customers are also told that should they elect to forgo paper statements that they will have access to digital copies for 5 years, however, those of us who have been merged into the system are only being given access to 3 months of historical data! I have requested of PNC that I be given copies ( digital or paper, their choice ) and I have been told that I will have to pay for these copies ( {$10.00} per statement X 81 months for a total of {$810.00} U.S. Dollars! ) This is for data that was readily available to BBVA customers at no charge before XX/XX/2021. I have explained that without this documentation that it will put both business and personal account holders in an untenable position should they be required to document their past banking transactions ( examples include IRS, state and local revenue departments, and insurance providers ) in the future. On XX/XX/2021 I received an email from PNC/BBVA stating the following : " Plan ahead for your banking needs over conversion weekend. Beginning at XXXX XXXX. CT on Friday, XX/XX/XXXX, BBVA USA Online and Mobile Banking will be available in view only mode. You will be able to see a point-in-time view of your account balances and history, but you will not be able to perform any online transactions. Additionally, credit cards and lines of credit will not be visible. '' Clearly, this is a complete misrepresentation of the current reality as the BBVA website was taken down on XX/XX/XXXX and customers were forced to migrate immediately to the PNC website. ( The inability to make withdrawals and deposits was to be expected, but the removal of the ability to see historic data is unacceptable ). Again there are only 3 months of BBVA statements currently available on the PNC website. PNC needs to correct this issue immediately, and these banks who desire to buy other banks must be held accountable to the customers.
Company Response:
State: AL
Zip: 35126
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I want to make you aware of the pain a lot of Americans are suffering due to the BBVA PNC merger. In my specific case, PNC withdrew money from my checking account without my authorization. They unilaterally enrolled me in automatic payments of my mortgage even though I did not consent nor was I informed. My mortgage under BBVA was not set up for automatic payments. So, I paid my XXXX mortgage on XX/XX/XXXX. I had to do it over the phone because PNCs online banking is not working. I paid my regular amount plus a principal curtailment. The payment went through. On XX/XX/XXXX I saw that my checking account had been debited on XX/XX/XXXX for the mortgage. This means PNC took out two mortgage payments the one on XX/XX/XXXX was without my consent. It has been an ordeal to get any kind of customer service. I get bounced around from person to person. Finally, I talked to a representative that admitted that I had not consented to be enrolled in automatic payments. She told me I would be credited. I havent. I called another person and he lied and said he had a written consent I had given to BBVA. I explained that the consent he was referring to was for a construction loan that had been paid off on XXXX but that I never signed a consent form for the mortgage and BBVA had never withdrawn mortgage payments automatically from my account. He agreed with me. It has been 3 days and my money is still gone. They refuse to electronically credit my account. They insist on sending me a check. The amount taken by PNC is close to {$3300.00}. Luckily I can live without that money but what if I lived paycheck to paycheck like many of my fellow Americans? What if because of their greed other payments had bounced? I have been reading comments on social media of other victims. What happened to me happened to others. It seems that PNC has been enrolling BBVA customers on automatic payments without their consent or without notification. My grandma would say this is just plain stealing. Banks have been getting away with a lot of bad things for a long time. To make things worse the government keeps allowing all these mergers which have resulted in fewer options and less protections for the consumer. Thanks for your time. XXXX XXXX
Company Response:
State: TX
Zip: 77096
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A