Date Received: 2021-09-29
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: My account continues to be coded and profiled for certain activity, mobile deposits, certain transactions, overdraft protection. I continue filing complaints regarding this situation. The bank continues to deflect and want me to speak to their Executive Client Escalation representative. I completely understand the problem as well as the violations and practices which I am experiencing. I have opted in for overdraft protection, however, the transactions which caused the overdraft are not paid and fees are applied. Four transactions at {$10.00}, 1 @ {$15.00} were allowed to post causing overdrafts and fees. I am willing to pay the valid charges totaling {$55.00}. The fees are {$140.00}. I have requested a refund since the transaction should not have been authorized by the system and then approved to be paid via the Opt In option. Also, this bank put a hold on my Social Security Direct Deposit and some deposits I made via mobile banking app for no valid reason except because of profiling. Deposits are being scrutinized and held. My account becomes overdrawn because of this illegal bank practice.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/XXXX I purchased several items from a website which is no longer existent. Then the confirmation email was not sent and because I ordered a previous items with the merchant. I never received the items. It was explained to me via email which was from a gmail account that shipping would be delayed Nonetheless, my second purchase was not received or recognized on the merchant end and I never received the item Therefore, I submitted a dispute. Please see attached the first purchased which was refunded due to none availability.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I refinanced my home. The title agency agent was several hours late to the closing and had to return to my house to complete documents he didnt have me sign in the first place. I was alerted to documents not being received by my town for my property taxes. I called my mortgage company and requested the documents be sent to the town. On XX/XX/XXXX I was notified by my mortgage company that my mortgage payments for XXXX and XXXX were not withdrawn or paid. I immediately explained the issues with the title agency at closing and that I had spoken to my loan processing officer the day of the closing expressing my concerns. I have never been late or missed a mortgage payment. I have used PNC for all loans and mortgages. PNC mortgage waived my late fees and opened 2 investigations into the title agency. I also immediately paid the 2 mortgage payments. I have had to request on several occasions that the tax documents be sent to my towns tax department. The late payments were reported to all credit bureaus and I am currently working to have the negative reports removed from credit history. I have been in contact with my mortgage companys escalations bureau who has told me that they are missing pages from the closing that should be submitted by the title agency. The incompetence of the title agency has caused me to have negative reports to my credit history. I am attempting to have these items removed from my credit history.
Company Response:
State: NJ
Zip: 08050
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We only began receiving paper PNC mortgage statements XX/XX/2021, although PNC began withdrawing payments from our account on XX/XX/2021 and XX/XX/2021. The XX/XX/2021 statement reflected withdraws on XX/XX/2021, XX/XX/2021, and XX/XX/2021. We are concerned that the XX/XX/2021 and the XX/XX/2021 payments have not been deducted from our mortgage loan amount. We have tried calling the XXXX number repeatedly, but it rings and rings - NO ANSWER, no greeting, nothing. We tried the XXXX number, but it addresses " voice-mail/on line '' banking. We researched and found a couple of branches, one of which was just an ATM. We called the XXXX, Ohio branch and was referred XXXX XXXX, a mortgage loan officer. On or about XX/XX/2021, we called his number XXXX and left a message requesting help. No response. PNC makes it very difficult/impossible to speak to someone in person to address concerns. Instead PNC focuses on online business- we would say, based on our experience, to the exclusion of actual real-person interaction. We would appreciate help to resolve our dilemma.
Company Response:
State: OH
Zip: 448XX
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am a XXXX who experienced a financial hardship due to a mandatory decrease in pay by my XXXX / employer secondary to a decrease in XXXX XXXX outside of COVID. I applied for Covid Relief Hardship with PNC on XX/XX/XXXX and again for an extension on XX/XX/XXXX - both of which are notated in their system and confirmed to me by one of their escalation managers on a recorded line ( XXXX XXXX on XX/XX/XXXX ). I was never assessed a late fee until XX/XX/XXXX and the late fee was refunded on XX/XX/XXXX as it was assessed in error. I received an approval letter for the Covid Relief Hardship from PNC dated XX/XX/XXXX. The letter states that the application was approved and no late payments would be reported. Additionally, the account status would show no late payments or be assessed late fees. However, late payments were in fact reported to all three CRAs for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - all during the time of the COVID Relief Program. I learned of this after having my credit report pulled on XX/XX/XXXX and saw the " reported delinquencies ''. I have reached out to PNC multiple times since XX/XX/XXXX by phone, email, written correspondence, and in person in a local branch. No resolve is being given and they continue to refer me to additional departments to " handle my complaint ''. Even the local branch can not see a late fee being reported, but does not have the ability to intervene as the company has outsourced most of the departments such as the HELOC Service Line.
Company Response:
State: SC
Zip: 29464
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Fraud or scam
Subissue:
Consumer Complaint: PNC BANK , NATIONAL ASSOCIATION - XXXX did not return recalled funds after XXXX initiated the recall process. This case is related to the investment scam reported on XX/XX/2021, referenced to cfpb complaint # XXXX. PNC BANK , NATIONAL ASSOCIATION - XXXX stated that there are no funds left in the fraudulent account and did not pursue to follow the money to recall outgoing funds from their fraudulently opened account ( s ) to assist in the recovery of these funds. PNC BANK , NATIONAL ASSOCIATION - XXXX, NATIONAL ASSOCIATION - XXXX showed deficiency in following KYC compliance program requirements and knowing their customer 's financial affairs. PNC BANK , NATIONAL ASSOCIATION - XXXX, NATIONAL ASSOCIATION - XXXX system of internal controls did not effectively identify or address the XXXX related risks that existed or that were related to the customers or accounts that shall have been viewed as high risk allowing fraudsters to open accounts and operate fraudulent activities and processing in/outgoing wire transfers using Banks accounts as a media to facilitate fraud. PNC BANK , NATIONAL ASSOCIATION - XXXX management was ineffective in overseeing PNC BANK , NATIONAL ASSOCIATION - XXXX day-to-day compliance with the KYC regulations and knowing their customer 's financial affairs. PNC BANK , NATIONAL ASSOCIATION - XXXX XXXX-related deficiencies demonstrate that PNC BANK , NATIONAL ASSOCIATION XXXX XXXX compliance program was ineffective, did not comply with the regulations, and was insufficient to ensure identification of and monitoring for suspicious activities. PNC BANK , NATIONAL ASSOCIATION - XXXX did not detect or investigate suspicious activities to determine whether SAR filings were appropriate. PNC BANK , NATIONAL ASSOCIATION - XXXX failed to investigate suspicious activities occurring in their customer accounts related to money inflow and outflow activities. Bank did not adequately monitor for suspicious cash, wire, or monetary instrument transactions. In particular, PNC BANK , NATIONAL ASSOCIATION - XXXX failed to identify or to monitor potentially suspicious activity pertaining to incoming wire transfers and their immediate outgoing wire transfers structured to move the money quickly out of the accounts indicating fraudulent activities. PNC BANK , NATIONAL ASSOCIATION - XXXX failed to know their customer 's financial affairs in terms of source of income. PNC BANK , NATIONAL ASSOCIATION - XXXX failed to undertake sufficient due diligence regarding the source of funds being deposited into their customer account ( s ) as well as the outflow of the funds from their accounts. PNC BANK , NATIONAL ASSOCIATION - XXXX did not collect or maintain sufficient information about its banking customers. In conclusion, PNC BANK , NATIONAL ASSOCIATION - XXXX engaged in violations of XXXX, know your customer financial affairs, and Suspicious Activity Reporting. PNC BANK , NATIONAL ASSOCIATION - XXXX responded to XXXX handling the recall of my funds that there are no funds available in the account from {$60000.00} wired out of my XXXX account into PNC BANK , NATIONAL ASSOCIATION - XXXX, account XXXX for XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, DE XXXX.
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I opened up an account with Simple bank in XXXX. In XXXX of this year, Simple closed and transferred my account to BBVA. I never received a BBVA debit card, so I planned to close this account and stopped funding it. On XX/XX/XXXX, I called BBVA support and was told that I could not close the account because there was a positive balance of {$7.00} and change. I asked for a check, and told this was not possible, but instead I needed to withdraw or spend the money. I don't have a debit card and there are no locations near me. I called back in early XXXX and was moved between 3 departments over 90 minutes and then hung up on. I called back, was told I wouldn't be disconnected, and was hung up on. On XX/XX/XXXX, I received a notice that I owed XXXX NSF fees, totaling over {$1200.00}. I called and was told I still can't close out the account because it is not a XXXX balance. The NSF fees were tied to XXXX transactions from weeks prior because I didn't change my back-up bank account. Please note that with Simple I did not have OD protection or ANY type of NSF fees. I never consented to OD protection/fees with BBVA. If provided the choice ( I wasn't ) I would've declined and allowed the transactions to decline. I called BBVA again on XX/XX/XXXX. I told them I want the account frozen and closed, and that I do not plan to pay these predatory NSF fees on an account I never wanted, for a service ( OD protection ) I never wanted, and for an account I had tried to close more than a month prior and was denied. The complaint has been escalated to Corporate as the agent I spoke with had no power to address the complaint directly.
Company Response:
State: GA
Zip: 30312
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and I haven't received any investigation results
Company Response:
State: IL
Zip: 60123
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: XXXX was informed of a pair of airpods that were purchased from XXXX for {$310.00}. The cost of the merchandise is {$240.00}. The merchandise was also defective. The seller when informed of the price and defect within warranty refused to take the item back. Upon informing XXXX of the vendor, they said it was an XXXX corporate issue. XXXX has not responded. XXXX was only able to make good a partial replacement. The item had to be taken back by XXXX. Upon informing XXXX, there was no response. PNC Bank from where I used my debit card to pay the amount, refuses to dispute the transaction providing vague statements. See attached. Per the law, if merchandise is sold outside of the price advertised and is defective, the consumer has a right to fair procedural protections in the XXXX.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and I haven't received any investigation results..
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A