Date Received: 2021-08-20
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I wen to the branch directly to close my personal and business checking and savings accounts XXXX XXXX, I later found out that the accounts were not closed. I have called PNC several times and already filed a complaint directly with them in regards to not being able to close my accounts. I just spoke with them in XXXX about receiving a notice that an account I thought was closed months ago was closed in the negative for fees. I contacted them and was told that they would remove the account charges and I had no more accounts showing open. I am also not sure if they reported negative information on the business account that they failed to close after they closed it for a negative balance. I just received another notice that my personal business account is negative. I asked that all my accounts be closed and contacted PNC several times over a six month period asking to close my accounts. I filed a complaint with PNC and was contacted to say they would address my concerns and I still have another account that is still open and now negative. PNC continued to keep my accounts open after my request and charge me fees that XXXX XXXX and was again stonewalled and told that they could not pull up any information without me providing them the last deposit amount on an account I thought was closed and have no information on. I was told to go to the branch but when I do they told me they can not assist.
Company Response:
State: PA
Zip: 19023
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-19
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: In 2019 I called BBVA to close a credit card and thought it was closed. Now that BBVA is merging with PNC, I received a notice that a new card was being issued. I called the automated line and found that it was still active. When I attempted to reach an individual ( twice ), the system said they could not take callers and try another day. I feel that BBVA 's negligence is creating a risk potential by failing to close accounts on request and leaving active card numbers available. The card is for a small business that is no longer in existence.
Company Response:
State: AL
Zip: 35244
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-19
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My balance as of XX/XX/XXXX was approximately XXXX. I made a {$740.00} payment that published on XX/XX/XXXX. I could not see the reduction in my total owed on my credit card and the amount owed is now over XXXX. I called on XX/XX/XXXX and asked for a detailed description of my credit card statement showing the increase and decrease balance based on each purchase, payment, and fees and was told that I can't get it. I can only look at my last months statement balance and add up and subtract each transaction using a calculator. I don't get balance statements in the mail and you can not see total balance per month online. I want a monthly statement showing my accrual and reduction of my balance based on each transaction so I can better understand what is happening. I feel like this practice creates a huge blind spot for consumers that encourages fraud and nefarious practices by the bank.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was reviewing my bank account, on XX/XX/XXXX, I noticed the following transactions : XX/XX/2021, two {$500.00} and {$20.00} debits, as well as the following : {$3.00}, {$9.00} and {$10.00}. On XX/XX/2021, the following unauthorized charges made against my account {$9.00}. I contacted PNC immediately by phone. The person on the phone told me that they would cancel my card. That following Monday XX/XX/XXXX, I went to my local PNC branch and informed them about the information that I disclosed to the hotline. I was issued a new card. I was informed that the charges had not posted, and that I should come back when they do. On Tuesday XX/XX/XXXX, the charges were cleared, and I filed a dispute with the bank for the total of the unauthorized charges totaling {$1000.00}. I was issued a provisional credit for this amount, while the bank investigated the matter. I wanted to file a police report, the personal banker, XXXX, said that it wasn't necessary. On XX/XX/XXXX, I received a letter from PNC ( dated XX/XX/XXXX ), saying that they determined that the dispute was resolved and that " no error occurred ''. In the letter, I was informed that I had the right to see the documentation that they used to make their determination. They have neither furnished me with documentation or rationale. Furthermore, they refused to honor my request to close my account and open a new one, or refund my money. They have stated that they are re-opened an investigation, what ever that means. I also filed a police report and contacted the FTC at the advice of the XXXX Police. The police took a report, and I am following their directions.
Company Response:
State: IL
Zip: 60630
Submitted Via: Web
Date Sent: 2021-08-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-19
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I am having a major issue with PNC Bank right now. There was over XXXX in my bank at the time that transactions were already posted. I had two extra come out of a balance left XXXX that was XXXX on XX/XX/21 and XXXX on XX/XX/21. They in turn made my account negative XXXX x XXXX when I had money in the account. I will also file with XXXX XXXX due to this mix-up. But to charge me XXXX 5 times is not right. I would like for that to be removed from the account. I am noticing when items are posted they pulled the money out but then even after it is posted and paid it comes out of the account. So I would like for that to be fixed.
Company Response:
State: PA
Zip: 17545
Submitted Via: Web
Date Sent: 2021-08-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/XXXX My bank Bbva placed An inaccurate charge on to my credit report for a secured credit card. The problem is I put down a deposit of {$500.00} securing the credit card. My understanding was that with the initial deposit that if the card became late or delinquent the bank would remove the funds from the deposited amount. That never happened an its been on my credit report since the XXXX of XX/XX/XXXX. I have disputed, talked to a Mrs. XXXX on XX/XX/XXXX, a XXXX id # XXXX on XX/XX/XXXX, XXXX # XXXX ticket # XXXX she told me that the issue would be resolved, XXXX a XXXX XXXX brach supervisor, XXXX the XXXX XXXX brach bank manager this issue is still currently affecting me negatively XX/XX/XXXX.
Company Response:
State: TX
Zip: 79705
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On approximately XX/XX/XXXX, I presented to this branch a death certificate and certificate of trust to name me as trustee. All documents were in order and this checking account has been with PNC since XX/XX/XXXX when it was acquired from National City Bank. Since then, going on 4 weeks now, I have been in the bank numerous times to inquire about this account as they have been holding funds in excess of {$68000.00} XXXX with no end in sight. All bank employees, including the manager, state there is nothing they can do until headquarters acts. I have not received one phone call or communication regarding the delay. The manager and employees have " heard '' they are trying to find the original signature card from 20 years ago at another bank when this is completely moot. I am now the trustee as named in the trust document that they have had for over ten years and they now should only require my signature. Just today, the manager told me he would call HQ and call me back and he never did. I am demanding the release of my funds from this bank immediately.
Company Response:
State: DC
Zip: 20016
Submitted Via: Web
Date Sent: 2021-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I filed a dispute on XX/XX/2020 with PNC Bank for an unauthorized charge of {$4000.00}. I was told that I would receive a provisional credit within 10 days to my account or they would complete the investigation within 10 days. I submitted everything immediately to PNC and repeatedly called daily expressing that I had not received the credit and I submitted all documents requested and that I was in a desperate state since this caused my account to go into the negative. PNC refused to assist me during the investigation. Finally on XX/XX/2020 ( 90 days after I filed the dispute ) PNC completed their investigation and found in my favor refunding the money that was stolen from my account. However, due to the long investigation and no issue of the provisional credit I was evicted from my home, my car was repod, my utilities turned off, had to give my dog away due to not being able to afford to care for her, all my bills were late and all my credit cards were closed due to nonpayment. My son was not able to graduate high school due to not being able to complete online classes. My daughter had to go live with her dad due to having no food and no home and no funds to hire an attorney. I literally lost everything due to this. I have not been able to recover and have been homeless with no car since XX/XX/2020. PNC then held all my deposits ( including direct deposits ) and turned off my online banking access and demanded that I come into a branch and withdrawal all my funds and close my account because I started to complain to the local media. This bank has ruined my life causing me to fall into a XXXX that I can not even afford to seek treatment for.
Company Response:
State: OH
Zip: 439XX
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On the PNC mortgage website, I navigated to the option for changing my automatic payments. I increased the amount I pay them from {$2000.00} a month to {$2000.00} a month. Since I've done that, they are now taking out {$4000.00} per month from my account. On XX/XX/2021 PNC took out one mortgage payment for {$2000.00} and a 2nd payment for {$2000.00}. I called them and spoke with a representative. They refunded my money via a paper check 15 days after the incident had occurred. The representative was asked to remove the automatic payments in the future of the {$2000.00}. He said this was taken care of and that I would have no further instances of this happening. However, XX/XX/2021, I had the a payment withdrawn for {$2000.00}. On XX/XX/2021 an additional {$2000.00} was taken out of my account as well. I called them and told them they need to cancel the payment or wire the money to me because I am out of town and need the money. They refused and said it must be sent through paper check, again. This was supposed to be resolved when I called them around XX/XX/XXXX but they failed to fulfill my request and are continuing to withdraw double the amount I owe on my mortgage.
Company Response:
State: WA
Zip: 993XX
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: My loan started with XXXX in XX/XX/XXXX as of XX/XX/XXXX they have 26 payments. I have been told I still am behind one payment I have sent my bank records and they say I have made the payments but the system says I am behind. I have incurred late fees over this. Have 4 over 30 day marks on my credit. My payments is due the 30 every month and I have done that. There are some payments that have not been fixed either. XX/XX/XXXX payment posted according to their records on XX/XX/XXXX. I sent a payment XXXX, XXXX, XXXX i asked the extra from the XXXX be added to the XXXX that has never been done. Furthermore the XXXX, and XXXX payments have never Bern combined either. My payments started XXXX XXXX to date I have made 26 payments. I am not missing a payment. I would ask for these things be corrected as I have asked for MONTHS FOR THE PAYMENTS BE CORRECTED. I have called since XX/XX/XXXX sent out emails to the proper department and not resolution at all.
Company Response:
State: AR
Zip: 72015
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A