Date Received: 2021-08-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened a credit card account with BBVA on XX/XX/XXXX. ( see open1.png & open2.png ) On the terms of account opening, it is stated that annual fee is " {$0.00} for the first year your account is open ''. ( see Application Terms.pdf ) I attempted to close the account on XX/XX/XXXX, yet the annual fee is already posted on my account on XX/XX/XXXX, during the statement cycle of XX/XX/XXXX. ( see fee1.png and Statement.pdf ) BBVA won't let me close the account without paying the annual fee that is charged before the one year anniversary at XX/XX/XXXX.
Company Response:
State: CA
Zip: 91016
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: This complaint is follow-up to complaint # XXXX. After I got of the phone with BBVA and they claimed to reverse overdraft fees in the amount of {$64.00}, they assessed another {$32.00} fee on XX/XX/XXXX and another on XX/XX/XXXX for the same return check problem. I contacted the credit card company to change payment on XX/XX/XXXX and had already spoken to someone the day I submitted my complaint to stop payments and return the fees. I am going to close my account with this corrupt bank. I just found out that it only has one physical bank in all of XXXX XXXX.
Company Response:
State: NY
Zip: 11213
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: 2021-08-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I wanted a POD ( proof of death ) form and I contacted PNC 's retail support customer assistance department. I was told that I should go to a local ; branch. There isn't a local branch convenient so they told me to contact Ms. XXXX XXXX at XXXX and she needed info for the form. The info of the beneficiary needed was : Name, D.O.B., SS #, nationality, address & relationship. I've called her three times, get an answering machine which lists her hours and can not get a call back. Today I contacted PNC again and was again given Ms. XXXX 's hours ( XXXX XXXX XXXX ) and to contact her. I've been a borrowing and checking account customer for over 20 years and can't get the common courtesy of a return phone call.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: PNC Bank - Refinance property located at XXXX XXXX XXXX XXXX, XXXX PA, XXXX County, PA., The existing mortgage was a PNC loan. PNC gave me 6 different refinance loan estimates. Most of these preliminary loan documents had errors including errors in my name, my initials, my aliases, my address, my work history. The loan was a NON escrow loan. The original closing estimate of XX/XX/2021 was {$6000.00} including {$1500.00} in closing points. On XX/XX/2021 I closed this non escrowed refinance and PNC charged me {$7900.00} in closing costs. That amount included {$2500.00} in property taxes. They also charged me {$84.00}, for home owners insurance even though I have paid my own insurance. 1 ) This was a non-escrowed loan so I asked why they were charging me {$2500.00} for school tax. I was told that was just what they do. They pay any unpaid taxes at time of closing. 2 ) The amount {$250000.00} was not the full amount of taxes owed. The total amount of taxes is {$3900.00}. I informed them of that. 3 ) I was told that I could not change the amount they were charging for school tax because it would take too much time and the loan guarantee was about to expire. They said they would pay {$2500.00} and I would have to write a check to the school district for the balance. I had to call the school district to make special arrangements for this. 4 ) PNC did not pay the taxes as of yet. As far as I know they have not paid the {$84.00} to my insurance company either. The School tax penalty kicks in after XX/XX/XXXX. 5 ) I called PNC customer service on XX/XX/XXXX at @ XXXX. I was told that the account was not escrowed and so PNC wasn't responsible for the taxes. The person on the line did not have access to my loan closing documents. I asked to speak to someone else. I was put on hold and disconnected.
Company Response:
State: PA
Zip: 19063
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-09
Issue: Fraud or scam
Subissue:
Consumer Complaint: Received a request to send money through XXXX. Payment was unauthorized and have tried to have it reversed to no avail. XXXX will no do anything and PNC will not do anything either.
Company Response:
State: FL
Zip: 33062
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On multiple occasions, I spoke with Mortgage Representatives about FHA Loan Hardship options. I even spoke with a Representative about FHA Streamline options. I am on a fixed 5.25 % rate and have not missed a payment in over 3 years. PNC Home Mortgage Reps were not aware of the program and the refinance application ( draft ) that was submitted did not match what the representative advised me on the phone. After speaking with over 5 reps in 1 day, I was still denied any options. The representatives were dismissive, provided inaccurate information, and were rude. I voiced my concerns and was told I would hear back from a manager. Never received any follow-up. After speaking with XXXX, on XX/XX/XXXX about concerns related to my mortgage account and having access to it. She deleted all my security questions and removed my phone number, to finally discover on XX/XX/XXXX, that her actions prevent me from accessing my account PNC 's entire online account. A simple password reset has been extended to 10-14 days via snail mail to receive a password in the mail. This is after a wonderful Representative " XXXX '' invested 4 minutes into researching and trying every available option to assist me. This pattern of denying minorities access to decreased mortgage rates, and federal programs are the same issue PNC practiced in XXXX a previous class-action lawsuit- for overcharging and denying minorities access to fair lending. I have a copy of the Refinance/Closing worksheet provided by XXXX, that has the inflated figures ( including appraisal fee-appraisal not required ) and my response voicing my concerns and his dismissive response. Only after speaking to an XXXX American representative was I informed of a " Hardship Application '' option. This is after speaking with 7 other reps over a 3 month period. Of course, completing the hardship application does not guarantee a decreased interest rate, and surely doubt that minorities are given the option for reduced rates. This needs to be looked into because customers experiencing this poor service. In addition, previous reps advised the HOPE Assistance program may be able to assist with making payments. The HOPE Program does not assist Mortgage owners, in spite of customers experiencing hardships being referred, REPEATEDLY, to the HOPE Program. I completed the HOPE application in XX/XX/XXXX, interviewed providing documents XX/XX/XXXX only for my application to be denied in XXXX XXXX " due to no assistance for homeowners- RENTERS ONLY '' - never received any notification. I just happened to call to follow- up on my application status.
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-08
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: SUBJECT '' VACATING '' MY TREE VIRTUAL WALLET WITH PERFORMANCE SPEND RESERVE AND GROWTH ACCOUNT ILLEGALLY CLOSED IN PNC BANK XXXX MONEY IN THE ACCOUNT FRAUD .HELLO I DEPOSIT CHECK CASH IN ATM PNC BANK XXXX BUT BANK XXXX XXXX THEY WRONG DEPOSIT MY AMOUNT WHAT I REQUEST AFTER THAT THEY CORRECTED AFTER THAT I TRANSFER MONEY TO THE XXXX ATM BANK CHECK ON AMOUNT XXXX AFTER THATI WENT TO THE BRUCH TO PNC BANK AND WORKER CALL TO MAIN OFFICE TO THE XXXX XXXX WHO HARD LOCK MY ACCOUNT AND ASK ABOUT MY DETAILS WHY CHECK WAS RETURN BECAUSE MY CHECK HAS WRONG SIGNATURE ALSO BECAUSE I OWN THE MONEY TO DIFFERENT BANK SHE TOLD ON THE SPEAKER TO THE PHONE TO THE WORKER IN BRUNCH XXXX XXXX XXXX XXXX XXXX ILLINOIS TO BILL XXXX AND HE TOLD ME I HAVE HARD LOCK ACCOUNT AND ACCOUNT IS CLOSED AND IS XXXX ON MY ACCOUNT.THEY ILLEGALLY CLOSED MY XXXX ACCOUNTS VIRTUAL WALLET WHAT IS JOINT WITH FAMILY NAME XXXX.
Company Response:
State: IL
Zip: 607XX
Submitted Via: Web
Date Sent: 2021-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: On XX/XX/2020, I got a forbearance for my mortgage account that covered month of XXXX and XXXX all the way to XX/XX/2020. PNC Mortgage intentionally reported my credit late for the month of XX/XX/2020 although I called them 100 times but, as usual, very poor customer service that never have any representative answer the phones especially when the pandemic first hit on XX/XX/2020. During the whole month of XX/XX/2020, I was put on hold for hours without getting anyone on the phone to explain that I lost my job and needed help. Finally after several attempts to reach PNC mortgage representatives, on XX/XX/2020, I was able to reach XXXX, she assigned my case to XXXX XXXX, I did explain to her that I lost my job on XX/XX/2020 after a severe slow down in my work since Mid XX/XX/2020 and, she forwarded an application for Forbearance which I forwarded back to her on XX/XX/2020. Also, I want to mention that the representatives, even supervisors, were always rude to me on the phone and never willing to help, they never offer to help fix my problems although I have the full rights
Company Response:
State: NJ
Zip: 08859
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PNC is the bank servicing my mortgage current. PNC bank sent me demand note of & XXXX. Upon enquiring about the charge, PNC came back with an explanation that this was a charge from " XXXX XXXX mortgage '' back in 2015 when I asked XXXX mortgage to reassess my home and remove PMI. XXXX mortgage assessed my house twice in 2015 and I remember paying for the assessment. However since this is 6 years ago, I dont have proof of that payment. I remember submitting CFPB complaint ( XXXX ) back in 2015 complaining against XXXX XXXX and I thought the case was resolved. This now seems like a harassment because PNC bank is saying they cant go back to XXXX and I have to talk to XXXX again.
Company Response:
State: VA
Zip: 23059
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: BBVA won't allow me to close my checking account. Their interface won't allow me to transfer the remaining funds, and I can not transfer these funds via ATM, as I can't extract the exact cent amount from an ATM. They said they would send me a check in three weeks, which was now 2.5 months ago. And upon contacting them again, they just send the same canned messages. I really need to close this account and clean up my credit. Their support has been really horrible, as I've been unable previously to reach any support person by phone despite hours of wait. I never wanted to be part of this bank, as Simple ( my previous bank ) was purchased by them.
Company Response:
State: NC
Zip: 27707
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A