Date Received: 2021-10-13
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: My account was transferred to PNC bank from BBVA compass bank and I received 2 micro deposits from XXXX XXXX XXXX for XXXX cents and XXXX cent so they can verify my new bank account and then they withdraw the total of XXXX cents. PNC bank made a mistake and cancelled the 2 deposits from XXXX XXXX XXXX and just kept the withdrawal of XXXX cents and that is a huge mistake for a big bank like PNC to make. My balance was reduced by XXXX cents and the deposits of XXXX cents and XXXX cent were cancelled or dropped by PNC bank. I want to know how PNC bank can make a mistake like this and they should rectify that mistake and fix my account
Company Response:
State: AL
Zip: 35226
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have 20 years of perfect credit history this one account with PNC was a couple months late due to covid and my being on unemployment it was negotiated and paid in full and I believe the federal government protects consumers against this negative credit reporting during covid and I want it removed
Company Response:
State: IL
Zip: 61571
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: BBVA USA was merged with PNC Bank. All BBVA customers received welcome packets stating that the transition period would be the weekend of XX/XX/XXXX until the XXXX. During that weekend it was told to customers that funds would be accessible no matter what. From the very start of the weekend, customers funds were locked and no access was granted during this period. When called upon, BBVA stated that because there was a merger, customers would need to contact PNC. when contacted, PNC stated that those customers were not in their system and to contact BBVA. This back and forth went on the entire weekend. PNC 's other option was for everyone to just wait it out until Tuesday. Not everyone was able to do that. Some folks needs to get their medications or gas or food and had no access and no help from either company. At one point, BBVA stopped answering calls and basically shut their phone system done due to the influx in volume of complaints. This was also confirmed by PNC who stood on recorded lines and were disconnected themselves. PNC also had representatives been extremely dismissive and downright rude and obnoxious towards the customers who were experiencing this hardship. When confronted about what would be done, PNC just basically shrugged their shoulders and said, " We'll note it and let someone know your issues. '' That meant to customers, we don't matter nor do the company not care about the extremely negative first impressions they gave out and seem to not be bothered by the fact tons and tons of customers incurred fees because of THEIR XXXX XXXX.
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: My bbva account hasnt worked since Thursday XX/XX/XXXX. Ive had no access to cash or online transactions. The only advice I got was go to pnc atm or pnc bank. I drive half an hour to pnc on Saturday and the atm didnt work either. I work banking hours so XXXX cant get to the bank. The customer service rep was rude and hung up on me. None of it is working yet. I dont have gas money for work or anything. Ive acquired late fees too
Company Response:
State: AL
Zip: 35023
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-14
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: PNC Bank purchased BBVA Compass and the migration was this week. Usernames and passwords were indicated to stay intact. This evening, XX/XX/2021, when I attempted to access my account, I was given an error " We are unable to use your BBVA USA user ID and password. Please contact us. '' You have to go digging for contact information to " contact us ''. I am unable to access my money, so I contacted their support line at ( XXXX ) XXXX after digging around on the PNC website, where I was instructed there was a 20 minute wait time. After 30 minutes, I am still on hold trying to access my money. They have botched the migration, failed to provide updated instructions for accessing online account information, and are exceeding 30 minute wait times for their customer support. I was fortunate enough to move 90 % of my money out of this system, including closing a business account, prior to the migration, but I can not imagine the frustration if this is the only banking product you have access to. PNC needs to be fined for this mess.
Company Response:
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXX XX/XX/2021 PNC Bank approved an obviously fraudulent transaction from a subprime auto lender I do not have, and have never had, any business or financial relationship with. As of end of business XXXX XX/XX/2021 I can get no response from PNC Bank, not even the transaction number so I can address the fraudulent charges with the subprime lender XXXX XXXX XXXX XXXX XXXX, TX. While I do not expect immediate resolution, I would have expected PNC to at least pretend they cared about fraud against their customers
Company Response:
State: TX
Zip: 75006
Submitted Via: Web
Date Sent: 2021-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-12
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: PNC CLOSED MY ACCOUNT WHEN I WENT TO OPEN AN ACCOUNT OF FOR MY XXXX YR OLD SON : THEY STATED THE WOULD NOT OPEN AN ACCOUNT FOR HIM AND THEY ARE ALSO GOING TO CLOSE MY ACCOUNT : AS THEY DID, THEY CLOSED MY ACCOUNT WITH NO REASON : MUILTI CALLS AS TO WHY MY ACCCOUNT WOULD BE CLOSED AND THEY SAID THEY HAVE A RIGHT TO CLOSE MY ACCOUNT PERIOD. THEY KEPT MY FUNDS FOR OVER 20 DAYS MY ACCCOUNT WAS IN GOOD STANDS AT THE TIME THEY CLOSED IT : I RESEARCHED THE MATTER AND PNC AND MANY other banks are randomly closings accounts OF MINORITIES AS WELL AS PEOPLE WITH SMALL AMOUNTS DUE TO THE MERGER PERHAPS, IT'S CURRENTLY A CLASS ACTION LAW SUIT BEING FILED FOR DISCRIMINATION : they reported me to early warning credit as abuse ( with no documentation of abuse ) I'm currently not about to open a normal bank account due to being racial discriminated by PNC and XXXX XXXX XXXX : I will be posting the details with XXXX on a separated compliant : i have over 200 statements from PNC opening an account for my son and sending us both online bank cards, then letters stating they would closed : No verbal nor written reason was given and the documents received do not reflect abuse however they reported this to early credit warning as Abuse : this is very misleading and a discriminating process as well as preventing me from opening up a bank account : I HAVE ATTACHED A FEW STATES AND THE EARLY WARNING FILE : BOA AND PNC HAS FALSE INFO REPORTED, I HAVE THE FULL DETAILS FOR XXXX AS WELL. Account # : XXXX CLOSED XX/XX/2020 2020
Company Response:
State: GA
Zip: 30017
Submitted Via: Web
Date Sent: 2021-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I began trying to obtain a business loan to purchase and operate a XXXX XXXX in XXXX of this year so I had my financial profile screened. They mentioned that my mortgage was showing as in forbearance. I then checked my 3 bureaus report and saw that the account was not showing on XXXX or XXXX, only XXXX and that the loan payments hadn't been updated since XXXX. There was also a remark that said the loan was in forbearance ( it was back then. It has been out of forbearance for 2 years ). I contacted BBVA loan servicing end of XXXX and requested that my account be updated on all 3 credit bureaus with current on-time payments over the last 2 years and the removal of the forbearance in the remarks/comments. I received a letter from BBVA dated XX/XX/XXXX that stated the correction would be made on XX/XX/XXXX. I called the mortgage servicing team to inform them that I was in the process of applying for business loans and needed this error corrected immediately. Not only was I told I would have to wait until XX/XX/XXXX before the correction would be submitted, I was told to be happy they were doing it before XX/XX/XXXX when they usually submit the batch. I work for a bank and I know they could have pulled my account up and made the correction immediately! In spite of the urgency of the situation, my request was treated as an inconvenience to them. It is now more than 30 days past the original request date and 12 days past the date they were supposed to submit the correction. In the letter they said to give the CRA 10 days to update their files ( FCRA says they update them immediately once correct info is received ). That was 2 days ago and I still do not see the correction. Because this account is still not reporting correctly, I have been turned down for over {$150000.00} in loans for my startup business. This has devastated me and my family and has disrupted ( and perhaps completely ruined ) our chances to improve our lives and livelihood by starting a business. I would like to seek damages from BBVA for how they have created this nightmare situation. I have made the down payment for the XXXX XXXX and now I can't get the funds to finish paying for it because of them. All of the declines I have received ( 4 so far ) show my credit score as over XXXX but cite " incomplete real estate info '' or " serious delinquency in real estate '' as a reason for the decline. I need answers as to why this is still not reporting correctly with the bureaus. I even attempted to dispute the one CRA that had the mortgage listed, albeit incorrectly -- XXXX before the XX/XX/XXXX correction they were supposed to make thinking this would expedite the process. The dispute came back with the payment history updated but the " account in forbearance '' error STILL IN THE REMARKS. This is what is causing the declines in my loan requests. I would also like the names of their mortgage department supervisor, manager and all other superiors in their chain of command so that I can write a letter to them informing them of how they have failed me. Please help me find out why this still has not been corrected. I feel like they should extend a guaranteed business loan to me ( without considering any recent hard inquiries ) because of this, otherwise I will be forced to sue them. Thank you.
Company Response:
State: CA
Zip: 90201
Submitted Via: Web
Date Sent: 2021-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-12
Issue: Loan payment wasn't credited to your account
Subissue:
Consumer Complaint: I walked into PNC Bank on XX/XX/2021 to make my XX/XX/XXXX. 2021 payment. The teller posted my payment incorrectly. I have called the branch manager, XXXX, XXXX with PNC retail, XXXX and the consumer loan department to try and get this resolved and to date my payment is still not posted correctly. Actually, because the teller posted it incorrectly, I received a late notice on XX/XX/2021, a late fee, and accrued interest. I was told by XXXX, XXXX, and XXXX that a request would be put in to have the payment corrected and it would take 3-5 business days. This was XX/XX/2021. It still has not been posted correctly and I can not get any information when it will be resolved, just that these things take time. There are other payments I have made on this auto loan account that have been posted incorrectly, however, the XX/XX/2021 was the only one that has made me appear LATE. I want this CORRECTED. I worry my account will show late on my credit report. This is all because the teller was not properly trained how to post payments to a simple interest loan.
Company Response:
State: NC
Zip: 28411
Submitted Via: Web
Date Sent: 2021-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was a Simple Customer who was involved in the conversion from Simple to XXXX. If you don't remember simple, their main selling point - no fees. Literally across every document that I signed, every commercial and every notice. Fast forward to the conversion, and I called and was told that my service would remain the same, the interest fee would change and they had overdraft fees. I didn't have the choice to opt-out because I couldn't access my Simple account to bring my account to zero, and they were unwilling to cut a check. XXXX started saying they'd honor the terms of my original agreement, but that changed ... not during the transition. Not even 90 days after the transition, but on XX/XX/2021. The month before, I'd received my first notice of the transition to PNC with a note that " fee waivers '' will expire. Crazy because the account I signed up for didn't have fees. And at this point, I hadn't agreed to any of PNC 's terms. The transition wouldn't complete for another two months. Next thing I know, I'm charged over {$700.00} for transactions ( all of which were paid in full using my XXXX XXXX card ) as the transition to PNC loomed. I noticed this change in XXXX and attempted to get in touch with their team. I wasn't successful until XX/XX/XXXX, at which time, the transition to PNC was a few weeks away and I was told by their staff that this is an error, that it should be corrected, but that the staff member could only make adjustment to 4 of the over 20 ill-gotten funds. They referred me to another department that agreed, apologized and then said I'd have to go to a physical location ( over 40 minutes away ). I called for 4 days to set an appointment, but their excuse was that they were training for the conversion. I went to the branch and then they made me set up an appointment to come back again. Their manager called me, agreed that everything wasn't right and sent me to their escalations team. She mentioned they'd call in 2-3 days. Over 14 days later I get a single email from their team, ignoring all of my previous correspondence, implying that I'm being sensitive and emotional on the matter, and they proceeded to say that they couldn't help because of the transition. Aka, " we know you're right about this, but ooops, time has run out ''. Absolutely not.
Company Response:
State: CA
Zip: 90004
Submitted Via: Web
Date Sent: 2021-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A