Date Received: 2021-09-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received a PPP loan from the SBA in early XX/XX/. I had it deposited in the BBVA account ( which was originally an account I had with an online bank called Simple which was acquired by BBVA- which is now acquired by PNC or something ). The original amount was {$12000.00}. I started to make withdrawals according to the forgiveness rules of the PPP loan of $ XXXX as my " paychecks ''. After going through an arduous process of verifying myself each time I decided after the 3rd time to just get my money out of BBVA and move it to my credit union account. BBVA then claimed I had a $ XXXX monthly withdrawal limit ( keep in mind, I didn't open this account with them, they acquired my account and applied their rules to it ). They originally told me my Simple ATM card would work but it never did and they wouldn't send me a BBVA ATM card. At some point in late XXXX they claimed there was suspicious activity and shut my account access down completely. After several calls to the " Fraud '' dept. I was told they had up to 45 days to " investigate '' and they couldn't give me any details. I waited until mid XXXX to follow up again and was told ( after sitting on hold for at least an hour 3 separate times ) that they decided to close my account and would be sending me a check for the remaining balance of $ XXXX. It's been almost a month and I still haven't seen any check and still can't get any answers from them. In the end they've held my remaining balance for 2.5 months and counting without ever telling me why. This was money given to me by the SBA as a loan but forgivable if I withdrew it in the proper manner which BBVA has completely interfered with and which may cost me the ability to get the loan forgiven.
Company Response:
State: NV
Zip: 89012
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: i recently had a fraudulent wire charge for XXXX XX/XX/XXXX and was denied my phone was stolen and i thi then bbva denied the dispute
Company Response:
State: MI
Zip: 48047
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have these accounts that are not mine and i want them to be removed from my credit report. 1. Identity Theft PNCBANK Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: Today XX/XX/21 I transferred {$50.00} through my bank through XXXX to a scam landlord for a supposed refundable application fee for an apartment to a XXXX XXXX using email address XXXX.
Company Response:
State: NJ
Zip: 08520
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: BBVA USA on XX/XX/2021 this company authorizes a one-time charge of {$49000.00} USD from my debit card and they provide an authorization code to charge this {$49000.00} USD from my card. how they can have this authorization code when I don't have sufficient funds my balance was really low and I don't use any service of this type. I call them and tell them I don't have any idea of this charge they open an investigation. wich they finish in right away telling me the I own this money. so I call them to let them know I do not agree with their decision. so they open a second case which they provide me with the information they have. after receiving the documents of this company who charge me for this business service and I tell them I don't have any business with them. they are still telling me the charge was made and is nothing I can do. so my conclusion is this company and an employee from the BBVA USA bank are working together to scam customers. because when I tell them to investigate who authorizes this transaction code they refuse to do it. company name they charge me is XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX PHONE NUMBER XXXX REPRESENTATIVE XXXX XXXX I HAVE NEVER HEAR OF THIS COMPANY BEFORE IN MY LIFE.
Company Response:
State: CA
Zip: 92782
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We are requesting your assistance with PNC Bank located at XXXX XXXX XXXX XXXX, OH XXXX. PNC Bank has violated the terms of our mortgage agreements, and we believe, are also in violation of the Truth in Lending Act of 1968. We are requesting your help in resolving the issue outlined below as soon as possible, and reprimanding PNC Bank for their callous handling of this matter. Our hope is they will not continue to treat other less resilient consumers this way. We are a retired couple with excellent credit who decided to refinance our primary resident in XXXX of XXXX to take advantage of the low interest rates available. We did not agree to an escrow account. And, we had not had one for decades because of our excellent credit and prompt payment of all our bills. It was also part of our selection criteria for the mortgage company we chose for this refinance. However, our mortgage was sold to PNC Bank, who apparently believe they are excused from following legal documents. And, feel they can use heavy handed methods and discourtesy to consumers to ignore their obligations. Here is an outline of events with reference to supporting documents : 1. On XX/XX/XXXX we refinanced our primary residence with XXXX XXXX XXXX, XXXX ( See Attachment 1 : HUD1 Closing Disclosure ). Included in the closing documents is an Escrow Waiver with XXXX XXXX XXXX, XXXX as a condition of our refinanced mortgage with them ( See Attachment 2 : Escrow Waiver ). 2. PNC Bank purchased the subject mortgage from XXXX XXXX XXXX, XXXX and unilaterally added escrow payments to our mortgage bill in violation of the terms and conditions of our mortgage agreements. Our PNC Bank Account Number is available on request. 3. My wife XXXX XXXX has made several contacts with PNC Bank to have the monthly escrow charge removed but without any success. She explained the apparent error to PNC Bank, and complied diligently to their requests for supporting documents to resolve the issue. On XX/XX/XXXX she submitted the documents requested by PNC Bank ( See Attachment : 3 Escrow Removal Request and Attachment 4 Escrow Letter ). 4. We received a letter from PNC Bank Escrow Analysis Department dated XX/XX/XXXX ( See Attachment 5 PNC Bank Letter ) stating they would not : approve your request due to the following reasons. However, the reasons are not stated in the letter. We are demanding PNC Bank to stop this fraudulent behavior, stop collecting escrow payments from us immediately, and refund to us any escrow balance. We are further asking PNC Bank to comply with the terms of the mortgage agreements and stop making unilateral decisions to the detriment of the general public. We are available to provide any further documentation you may need and to answer any questions.
Company Response:
State: TX
Zip: 77389
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I am not appreciating the fact they you guys restricted me access to review and submit disputes online. This is a major inconvenience to me as a customer. I should have the same access to all of the benefits and features that comes with my account.
Company Response:
State: TX
Zip: 77550
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Im not able to access my account to provide dates. I received a tuition reimbursement check but it was a scam. The check was deposited but did not clear. I already had money in my checking account at the time. The next thing I know I'm not able to access my account and they wont tell me anything. Ive been calling for months. Ive never even received a lettter in the mail. Its like my account is gone. I have XXXX dollars in the account that im not able to access and I need that money as im not currently employed. I call and get no where.
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-04
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I had been in communication with customer service reps with Simple Banking over these issues with my shared checking account which began with not having the amounts credited to my account after I placed a sum aside in the expense category feature they had in the Simple app and then transferred it to a goal. It did not make its way to that goal and become my available balance! It was {$630.00} I believe, and this happened in XX/XX/2018. I spent months upon months going back and forth with them which turned into over a year until they were taken over by BBVA and my complaints are gone now along with any hope of a resolution! Soon PNC will be taking over BBVA as well! I have already been charged close to {$300.00} with BBVA since they started managing my old Simple accounts and the transaction records they have are incomplete and displaying inaccuracies of the account balance then charging outrageous fees for insufficient funds which is not correct! Also I continually have problems logging into the online banking platform for weeks at a time with complications with passwords and secured online access that I cant even manage my money anymore! I want those fees reversed because they should never have been administered to begin with while they mismanaged the transactions thereby creating insufficient funds during the times they chose to make or accept certain ACH payments and transfers all in order to benefit from the fees charged to my account! Simple basically stole over {$600.00} from my account before BBVA came to claim nearly {$300.00} in excess fees so thats almost {$1000.00} that was taken from my account in a most nefarious manner. I have screenshots that show my balance one moment as an amount then another the next moment showing a completely different amount yet there are zero transactions on the record to prove that there was a reason for the changing sums! There was something going on with their expense and goal features in the Simple App that essentially depleted my funds by utilizing them as I was instructed to do so to help me budget better but ending up just making my budget worse off than before! There is clearly something amiss here and it can be seen by the many screenshots Ive taken over the months that show conflicting information relating to the obvious misappropriation of my account balance while Simple was the financial institution mainly used to pay certain bills ; This having ended up costing me even more with those merchants due to several returned payments and late charges after they mishandled the automatic payments each month towards the acquisition by BBVA.
Company Response:
State: CA
Zip: 92584
Submitted Via: Web
Date Sent: 2021-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-04
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Ive been trying to close this account since XXXX. They keep reopening the account because of an automatic payment that keeps withdrawing. Ive tried stopping those payments multiple times however they keep attempting to debit from my account. I asked them on XXXX to stop the transactions as they are no longer authorized and they wont do it without a {$32.00} stop payment fee. Asked if they could expedite the account closure and they will not.
Company Response:
State: KY
Zip: 425XX
Submitted Via: Web
Date Sent: 2021-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A