Date Received: 2021-08-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I'm unable to actually view the dates that these transactions were made because they blocked my access to my disputes on my account but it's several Transactions of {$5.00} and {$20.00} amounting to a few XXXX dollars of fraud. I've attempted to dispute this with my bank and as I said they blocked my access to the speech and actually claimed that their fraud prevention team suppoteam spoke with me during one of these transactions and approved them, thus denying my disputes.
Company Response:
State: CO
Zip: 80113
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-28
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Someone else was managing my bank account and I didnt have access to it.
Company Response:
State: MI
Zip: 495XX
Submitted Via: Web
Date Sent: 2021-08-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Between the dates of XX/XX/XXXX XXXX 2021 I had a series of XXXX charges, that were not authorized by me. The total of which was {$230.00} My phone had been stolen and someone used my account. I filed the claim with my bank BBVA and showed them how I used XXXX very little before and after these charges. The bank has stated that XXXX provided them with proof that these were intact legitimate charges. When I asked what proof there could be, the bank stated that they could not provide that information.
Company Response:
State: CA
Zip: 95628
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello I am writing you to ask your help in a SBA PPP loan related matter, for which I have no other recourse but to write to several government agencies, yours not the least. I have a {$40000.00} PPP loan with PNC bank, but they have taken it upon themselves to renege on the original agreement, which was that if I used more than 75 % of the loan towards payroll related expenses that the loan would be 100 % forgiveable. They are now asking for {$17000.00} of this loan to be paid back to them, even though I have complied fully with the original terms. This is a breach of contract and an insult, that the bank should want a cut of the money given by the Government of the United States to the people, for the express purpose of keeping businesses hurt by the COVID pandemic, and not for enriching bankers who are now setting up interest bearing loans that we have to pay back. I have written the SBA, who says they have not yet set up an appeal process for cases such as this, but they say an appeal process is pending. I can not wait for this machinery to be in place ; I must act now before the bank demands its money bank on its usurious and illegal terms. I am also writing the Attorney General of the State of New Jersey, the Dept of Consumer Affairs, and any other agency that might be able to assist beleagured PPP loan recipients like myself. I would be more than happy to supply every documentation that I have regarding this, which is comprehensive, to you if you need it to investigate, which I am hopeful that you will do. Please contact me back at XXXX, that is to say in electronic writing. I do not think banks should push people like me around, a small business owner in the XXXX field ( XXXX office ) who provided XXXX care and XXXX health services throughout the covid period, assuming personal and business risk to do so, and for whom this money was meant for, not the banks to enrich themselves. If you could please respond with any help at all, I would be most grateful. Thank you - XXXX XXXX, MD, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, tel ( XXXX ) XXXX, cell ( XXXX ) XXXX, XXXX XXXX
Company Response:
State: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-27
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/2021, I received an automated email from PNC bank that a new product that had never been utilized before on this account had been opened and that If you did not request this service, please contact as soon as possible. Upon checking the account online, I discovered that there were 4 pending XXXX transfers totaling {$1000.00} to people that were unknow to myself or my son ( XXXX XXXX ) as we are both signers on this account. Upon inquiring with my son, who was traveling in an airport that day, he informed he did not sign up for the XXXX product and had not initiated any transactions to these unknow fraudsters. I immediately called PNC bank an informed them that we had not signed up for XXXX and the transactions, which were displayed as pending online were fraudulent and to not let the transactions complete. The representative from PNC said there was nothing they could do on their end and provided me with a phone number to XXXX. Upon calling the number to XXXX on at least 10 times, the phone would be picked up and then hung up by someone on the other end. Without any success for the repeated contacts with XXXX, I drove to my local PNC bank branch in XXXX, FL located at XXXX XXXX Federal Hwy, XXXX, FL. At approximately XXXX I was able to speak with a branch representative in person and she told me that there were no appointments available for the rest of the day and that there was nothing she could do to help. She suggested calling the customer service number that I had earlier called and I would get better service through that channel regarding the fraud that was occurring on my account. Without any success to my repeated attempts to halt the ongoing fraud, I called customer service the following day on XX/XX/2021 to imitate a dispute regarding the 4 transactions which now had been fully processed. Eventually I received a letter dated XX/XX/2021 from PNC that my dispute had been resolved and that the 4 transactions on my account were valid and the dispute had been denied. It should be noted that the letter was well beyond the 10-day threshold as dictated by Regulation E. Additionally, the letter indicates that You have the right to request the documentation we relied on in making our decision. Accordingly, I repeatedly requested the documentation that PNC Bank relied upon in denying the fraud claim. On XX/XX/2021, I received a call from PNC employee XXXX XXXX, and was informed by her that the fraud claim had been denied was final and that there was no information available to be provided or would not be provided with obtaining a subpoena. She indicated that the fraud notes didnt make sense and that the notes indicated the transactions were made on the same IP address. This only appears to further support the fraud claim if the account had been hacked. On XX/XX/2021 I made an appointment to meet XXXX at the PNC Bank branch located in XXXX XXXX, FL to discuss any further actions that could be taken to favorably resolve the fraud on the account. She reviewed the account and the fraud notes and also indicated that the notes were not clear as to why the claim would have been denied. She promised to get back with me, yet I have not received any response. In conclusion, PNC failed to maintain proper controls by allowing a fraudster to open up a new product on my account and within minutes send out 4 transactions totaling {$1000.00} ( which is the daily maximum allowed ). After several attempts on my behalf to stop or minimize the transactions, PNC Bank systematically provided ongoing poor customer service to continue to deny a legitimate fraud claim. Additionally, the bank repeatedly violated Regulation E by not provided timely notice of the fraud decision as well as denying access to the documents used in making their incorrect decision. As a customer of PNC Bank for over 15-years, this level of negligence on the banks behalf is unimaginable and the countless hours I have spent attempting to work with the bank have gone hopeless. Sincerely, XXXX XXXX XXXX
Company Response:
State: FL
Zip: 34997
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-27
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: BBVA ( now PNC ) froze my checking account when I submitted a stop payment on a check and refuses to unfreeze the account. BBVA says they have initiated closing the account and that it will be closed in less than 30 days from today. Furthermore, BBVA ( now PNC ) has requested that I sign a document that lies about the circumstances of the check stop payment request. They want me to commit fraud by signing this document. BBVA freezing this account has caused harm to myself and my XXXX wife. We need this checking account unfrozen for medical bills.
Company Response:
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-26
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Hi, I want to fill a complaint to PNC Bank for a car repossession process. This bank started reaching out to me through a collectors number, where they asked me for my social security without explaining reasons for me to provide such delicate information. After calling the bank myself, I was informed I owed payments for my new car loan, however, as I never received an email or official communication from the bank, I did not have any information on my account, status of my mortgage, or anything. When talking to the bank, I requested to have access to my account, for which they said they were going to send me a mail, where I could log in and have access and visibility. A few days later, before I received any formal letter communication that they mentioned they would send, my car got repossessed and towed. Now the PNC Bank is asking me to pay XXXX in fees for repossession, and also the towing company fee which is of more than XXXX dollars. Moreovoer, they are asking me to pay the full amount owed ( XXXX dollars ) cash at their bank, they do not accept any other type of payment. to be forced to pay cash a process like this looks like a scam. Im complaining because this is a very unhealthy and unfair process as a customer. I have the money to pay, but I never received any official information from the bank, now im in this situation with my car towed and the bank states they have tried to reach out, even though I was asking them for formal mail communication and access, which they never did. I hope this serves to help us, the people of the state, to have processes that are transparent and that do not play against us and benefit the banks. This inefficient process and communication, where customers have cero visibility or formal communications, serves to benefit PNC Bank, and is leaving me without car without any notice, paying a ridiculous fee amount in cash to the bank, still without any documentation or access from the bank regarding my account, and now affecting my credit with this repossession while the bank is lucrating from it and obtaining cash money.
Company Response:
State: FL
Zip: 33172
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am the XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX, XXXX MD XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We remained open during the pandemic in large part due to the PPP loan we received from PNC Bank. In XXXX of XXXX, we began the process of applying for a PPP loan through PNC Bank. We were one of the first agencies to participate in the PPP program and as such, when we applied for the funding, we followed the guidelines and guidance issued by the SBA via PNC Bank at the time. We submitted our PPP Loan application with our supporting payroll documentation, health care costs and other related documentation. PNC calculated a PPP Loan amount of {$510000.00} based on the information we were instructed by PNC to submit to receive a PPP Loan. Later, PNC conducted a review of the PPP loan application and determined that we were only eligible to receive {$340000.00} and as such {$170000.00} is overfunded. We would NEVER have borrowed the additional {$170000.00} and now are being told our first payment of {$22000.00} is due on XX/XX/XXXX. I can tell you that every XXXX of the {$510000.00} PPP Loan was spent on payroll and employee related costs. PNC either misinformed or misrepresented the loan guidelines and supplied our agency with a criteria to cause the loan to be overfunded which resulted in a net profit to PNC, all of which was not made clear to our agency. We need your help in figuring out what to do next. We survived because we were able to use a PPP Loan provided on information PNC crafted for our eligibility. We should have our entire PPP Loan forgiven.
Company Response:
State: MD
Zip: 21113
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-26
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/2021 XXXX sent a loan payoff check to the address given to me by BBVA. The BBVA representative apparently gave me a PNC address ( which they are currently completing a merger ). The check went to a PNC location, XXXX XXXX XXXX, XXXX, PA XXXX and was signed by an XXXX XXXX. XXXX is saying that PNC cashed the check. The payment was never applied to my BBVA account. BBVA opened two investigations and can not find the check, which I've sent them a copy of with information about it being cashed. PNC says they have no record of my check and can't access my account because they haven't completed a system merge. I can not get in contact with the PNC location that the check physically went to. XXXX can't perform a stop payment and reissue the check to BBVA because PNC has cashed this check.
Company Response:
State: AR
Zip: 72113
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: my account has been frozen for over a year now with no written or verbal explanation of why or when it will be back useable they continue to charge my account XXXX dollars every month far a acoount that i cant use customer service is of no help
Company Response:
State: FL
Zip: 33147
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A