Date Received: 2021-09-13
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I was previously with Simple Bank and switched over to BBVA. I joined Simple as they did not charge any fees. They heavily advertised Banking without fees. I do not wish to bank with BBVA and want to close my account. I feel it is not at all what I signed up for. BBVA refuses to close my account. I contacted them XX/XX/2021 to close my account. They refused as I had a dollar in my account. From there they have strayed to charge me overdraft fees. I contacted them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to close my account. All three times they refused as now they say I owe them money, and the amount increases every time. I feel they should close my account and not continue to charge me any new fees. The terms of the account have been significantly changed since I originally signed up and they are imposing many new policies on me that were the exact things I tried to avoid by choosing the bank with Simple.
Company Response:
State: MD
Zip: 21114
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/21, I was scammed. I don't know how I could have been so stupid, but these people are obviously real good at what they do. An email appeared telling me I was being charged {$130.00} to renew XXXX XXXX XXXX. I wanted this to be cancelled ; I was to call XXXX. I wound up speaking to a XXXX XXXX @ XXXX. The form appeared on my screen and I typed in XXXX but it came up as XXXX and somehow they were able to doctor my bank ( PNC ) statement to show that XXXX went into my A/C. The guy begged me to wire back the money ( XXXX, deducting a liitle for my trouble ). The money was wired to XXXX ( XXXX Bank ) and of course when I looked at my actual statement the next day, the XXXX was gone. I contacted PNC Fraud ( XXXX ) and they are trying to get my money back but who knows? Details of the transaction are that the money was sent to XXXX to a XXXX XXXX, A/C # XXXX ; swift code XXXX. The XXXX XXXX email address is : XXXX If there is anything you can do to help me, it would be greatly appreciated.
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Original loan in XXXX, conforming fixed with 20 % down National City Mortgage Bank Refinanced in XXXX for lower rate ( Loan amount {$370000.00} ) Same lender XXXX or thereabout National City acquired by PNC Bank XXXX I lost job during great recession. XXXX I used up my savings to pay mortgage. XXXX Applied for hardship relief. Was given huge run around for approx. 15 months. XXXX was offered a modification that added my arrearage to the principal balance and Increased my payment. I had no choice but to accept. XXXX another unemployment, and another modification request. More runaround. XXXX a better modification. This one lowered the principal amount to $ XXXX, but added $ XXXX as a no interest balloon payment at the end of the loan in XXXX. XXXX I requested multiple times to have a breakdown of what was included in the $ XXXX. Was never able to get an answer until XX/XX/XXXX. As expected, the amount is made up of unpaid interest, taxes, Insurance, penalties and late fees and whatever junk fees accumulated during the periods of delinquency. I should probably point out that PNC subjected me to every mistreatment you ever heard happens during a modification, including, but not limited to : excess wait times on the phone, clueless customer service agents, multiple harassment phone calls, tons of threatening letters, endless requests for documents, empty promises of modifications agreements in the mail, auction notices, etc. I had many sleepless nights as a result of their incompetence/unwillingness to work with me. They are now claiming that the $ XXXX is legitimate. However their documentation is so poorly laid out that it is hard to determine. Also, an interest free balloon payment isnt what President Obama had in mind when he passed XXXX. Additionally, I am now XXXX XXXX XXXX and collecting Social Security. I was working until the pandemic. Now I am on XXXX. As is my wife. We have $ XXXX left of the mortgage, which we have been keeping current for the past 5 years. We are just trying to get relief from the $ XXXX balloon payment due in XXXX, when I will be XXXX XXXX XXXX! XXXX - I hired an attorney to look into this issue. He wrote a letter to PNC, suggesting that $ XXXX would be a fair and reasonable adjustment. The Customer Service department responded ( not the legal department ) that no adjustment was warranted. As part of their justification, they mentioned that we had been the beneficiary of some {$25000.00} from the XXXX XXXX XXXX XXXX, which is true, but had absolutely nothing to do with PNC, other than that they were the recipient of all the payments! My attorney decided that PNC would never be cooperative, and said that he did not want to accept any more money from me in what he felt would be a waste of time. He recommended CFPB.
Company Response:
State: CA
Zip: 94518
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: We are currently trying to close on a VA Mortgage with PNC Banking. As of XX/XX/2021 we are 13 dates past our closing date with no closing date in site. PNC has repeatably asked for the same documents multiple times. At one point we were told after two weeks of re sending documents they said they finally found them in a file that was done by another processor. Our appraisal was done in XXXX and we finally received the notice of value Friday XX/XX/XXXX, I was told this is a federal violation by not sending it 3 days after. We have not received a copy of the full appraisal even though we have been repeatably requesting it. The slow response to giving the notice of value and appraisal is an issue since the house did not appraise at value and the contract needed to be amended and renegotiated. They have told the seller 's agent they had all documents needed from them and then for weeks are requesting documents from us that should be coming from the the seller. They refuse to return any phone calls or take any phone calls from our real estate agent so that she can get documents and corrections to them. Tomorrow XX/XX/2021 we are breach of contract and in danger of losing our {$5000.00} in due diligence and are we are having to spend money for rentals on because we are so far past our closing date. We have been told by processing agents during conversations that they will just let our loan seat on their desk for a week. We have to call customer service lines because the loan officer, loan processing agent and the loan processing manager do not pick up their phones nor do they return phones. Any help would be greatly appreciated. We were told by our real estate agent this was our best option for assistance.
Company Response:
State: NC
Zip: 28560
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, I received an email appearing to be from XXXX XXXX, my contact for one of our vendors, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX email is XXXX. For several months, we have sent bill payments to XXXX by ACH transfer, based on information provided by XXXX. The email I received XX/XX/XXXX included prior legitimate emails between XXXX and me in what appeared to be a continuation email to me in that stream but using the email address XXXX ( extra XXXX after construction ). The fake sender informed me that a new bank account should be used for the next ( and future ) payments to XXXX. The sender provided the new bank information by entering it directly on the ACH form that we use for our company account at XXXX XXXX XXXX. A payment of {$75000.00} was due to XXXX at the time, so I used/submitted the ACH form ( w/scammer 's bank info as recipient ) to transfer funds immediately thereafter. The forged bank information was discovered XX/XX/XXXX when XXXX XXXX sent a copy of their latest bill and informed me that no payment had been received for their prior bill. I informed XXXX of the modified bank information that had been entered on the ACH form, and she confirmed that she did not provide that information and that their bank account had not changed. I immediately alerted XXXX XXXX, my contact at XXXX XXXX XXXX, of the circumstance and provided a copy of the ACH form that had been submitted previously with the forged account information ( PNC Bank, Routing No.XXXX, Checking Account No. XXXX in the name of XXXX XXXX XXXX ) XXXX XXXX XXXX at XXXX XXXX XXXX contacted PNC regarding the improper transfer, but PNC would not speak with her regarding this matter because " she is not their customer. ''
Company Response:
State: VA
Zip: 22902
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
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 XXXX I noticed that my credit card payment was for the full amount of over {$2500.00} when I ment to do {$500.00}. I got a confirmation number XXXX and was told 3 business days. It was not resolved and I was told Thursday at XXXX CST and nothing. Same promise on Friday. I called Friday evening and supervisor XXXX said nothing was done or expedited. I called Saturday and they said Monday. Here we are XX/XX/2021 which is 6 business days later and 10 days incl weekends and they said 4 business days. My account is negative and needs resolved and they refuse to help. They are giving me misleading and false information to resolve this issue.
Company Response:
State: FL
Zip: 32259
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Recieved a text from ( XXXX ) XXXX FRM : PNC Bank Debit Frozen SUBJ : Contact XXXX MSG : : XXXX I am assuming this is a scam since I don't have a PNC account XXXX I have not " contacted '' the XXXX number
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-11
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: XX/XX/2021 my ending balance was {$140.00} and then on XX/XX/XXXX somehow my balance went to - {$40.00} after they charged me {$32.00} overdraft fees. I have these problems before they authorized any transactions without my consent and charged me overdraft fees. I dont have any funds on hold so how did my account goes from {$140.00} to - {$40.00}?
Company Response:
State: CA
Zip: 93722
Submitted Via: Web
Date Sent: 2021-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I previously filed a dispute and I think that there is a lot of confusion going on with it. The last time that I used my debit card was at XXXX. Any charges after that are unauthorized. My card was lost and I reported it as soon as I found out. Please help me get this situation under control. I do not wish to escalate it any further, only to finish school shopping. Thanks
Company Response:
State: MI
Zip: 48224
Submitted Via: Web
Date Sent: 2021-09-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was never late or any of my payments they reported me to the Credit for being late. The company sent me a letter saying that I was never late and yet this remains on my credit report. I please want it removed
Company Response:
State: CO
Zip: 806XX
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A