Date Received: 2021-08-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: There is a 30 day late payment reported on my XXXX and XXXX report and a 60 day on my XXXX. I believe this report is in error. I have reached out to Disputes PO box provided by PNC bank on 3 occasions and did not receive response. I agreed to set up autopayments on the account for a minimum of 12 months when the payment was 16 days late, and have long since paid off any remaining balance. I paid late fees associated with the account accepting that a late payment prompts a fee. But feel 16 days late should not be reported as 30 and 60 days late to the credit reporting agencies, a mark that will remain for 7 years. Called customer service first rep said open a dispute with credit reporting agencies. I filed a dispute with each agency, and the disputes representative for each one said contact the bank to try and correct this issue. Contacted bank again that day, was told need to escalate case will hear back in 24 hour s, it took 5 days for the agent " assigned my case '' to contact me, after having to reach out to customer service 3 additional times over 3 days, who then transferred me to another team member who said send letter to the same po box , after stating I have already done this she replied " well this escalation is now closed '', and would not provide contact details for anyone who would actually work on my dispute. Over the past week I have spent over 10 hours on the phone " on a recorded line '' being transferred from department to department, being told " that's not my job '' told that " 30 day late payments are not even reported '', " call this person '', and " we will remove the mark, '' ect ... I asked to be transferred to a manager in the escalations department and told " I will not be connecting you to them, your case is closed. '' I feel this is an unreasonable response to customer service request, and no representative actually even listened to my complaint that 2 reporting agencies show account as 30 days late and 1 as 60. I feel the electronic reporting system is in error and all I was asking for is a human to review the details. I even pulled up my statements and see that the XXXX statement had a due date of XX/XX/2018 and a full payment was made on XX/XX/2018 only 16 days late.
Company Response:
State: IL
Zip: 60169
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was contacted by XXXX XXXX ( XXXX ) about a new trading strategy that is being tested. He gained my trust since it was a name well recognized by myself via the XXXX XXXX XXXX service I was subscribing to. XXXX XXXX had business suspended activity and when the services returned XXXX XXXX was gone. He introduced me to the strategy and solicited to open a trading account with XXXX via provided link XXXX XXXX XXXX XXXX Encouraged by his successes I transferred XXXX to fund my account. These funds were wired from my XXXX account to their designated bank in the US via LLC companies. After few successful trades, I received a notice from XXXX that I am tagged as a day trader and my account will be suspended for 90 days unless I deposit more money over {$25000.00} ( see below ). XXXX confirmed that and solicited more money to be transferred to see bigger returns. I cashed out my IRAs and transferred an additional XXXX XXXX XXXX XXXX and XXXX ( see below original deposit instructions from XXXX ) XXXX XXXX XXXX Acct XXXX ACCOUNT NAME : XXXX XXXX BANK ADDRESS : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, UNITED STATES {$10000.00} XXXX XXXX XXXX Acct XXXX ACCOUNT NAME : XXXX XXXX BANK ADDRESS : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, UNITED STATES {$15000.00} XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX {$18000.00} XXXX XXXX XXXX, XXXX, XXXX Acct XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX {$40000.00} XXXX XXXX XXXX, XXXX Acct XXXX XXXX XXXX XXXX XXXX, FL XXXX {$39000.00} XXXX XXXX XXXX, XXXX Acct XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX, XXXX XXXX, XXXX NE XXXX {$200000.00} PNC BANK, NATIONAL ASSOCIATION-XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE, XXXX {$60000.00} Funds were credited to XXXX account after I provided them with the details from my bank. Trading went on and profits were showed at XXXX account until last Friday when their website was not available. On Monday XXXX I communicated to XXXX XXXX via XXXX XXXX and he directed me to check my spam email because he received a message from XXXX that their link failed and the problem will be fixed ASAP. In addition, they provided an alternative link where I could log into my account XXXX XXXX XXXX XXXX I checked the alternative site and almost everything looked right except few records missing. I thought while they are fixing their main link they are making records updates at the alternative site. Later today XXXX the alternative site was unreachable and after few hours there was another email apologizing for the inconvenience and providing another alternative site for account login : XXXX XXXX XXXXXXXX Now, I can not reach XXXX and believe it is a fully blown impersonator of the original XXXX XXXX extracting funds from the new traders. I have contacted XXXX and requested to recall all the wires but at this time I do not if it is possible. These banks are the biggest banks of America and they are supposed to comply with the Federal regulations to know their customers allowing these fraudsters to operate ; therefore, I believe they have insurance that shall cover this fraudulent activity. Also attempted to request a withdrawal from XXXX working new site but stopped there because I believe I just will provide them with my account data and they will attempt to steal more from me. How can you help with such a serious case of fraud committed on the land of regulated banking?
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX, my Simple accounts were automatically converted to a BBVA checking account and savings account due to the acquisition. On XX/XX/XXXX, I decided to transfer the remaining funds of the checking account ( {$5000.00} ) via ACH and close the account. I also closed the savings account and no transfer was needed because it had a balance of {$0.00}. I received an email on XX/XX/XXXX from BBVAs fraud department asking for verification asking me to call within 3 days. I called on XX/XX/XXXX to verify the transfer so the funds could be released. When I had not seen anything appear in my XXXX XXXX account which is where I sent the BBVA transfer to, I called XXXX XXXX and verified the routing information. They did not have the funds and directed me back to BBVA. After speaking with BBVA on XX/XX/XXXX for over an hour, they tried to say it was XXXX XXXX responsibility and that the transfer was successful. I asked for verification of this and they said they couldnt provide it to me. In a letter dated XX/XX/XXXX sent to my old mailing address, BBVA stated they were unable to locate the account and was provided a return settlement account number : XXXX. This means that when I called about my transfer and they said it was successful they were either misinformed or lying. I received a ticket number from BBVA when I called again to let them know I received the letter stating the transfer had not completed and we had a conference call with XXXX XXXX to again validate that BBVA is responsible for this issue. I received a ticket number : XXXX and was told I would be getting an update in a few days. The last I heard from BBVA was on XX/XX/XXXX and it has now been a full week with no reimbursement of funds or a written letter stating the status of this case as I had requested. For over a month, BBVA has lost {$5000.00} and has provided no resolution.
Company Response:
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2021 XXXX reported an alert on a XXXX balance closed account from XXXX XXXX 180 past due in error. The account was originally held by XXXX XXXX. We contacted XXXX and they stated it was sent over right so the error was with XXXX. So we filed a dispute with XXXX and they removed XXXX but did not remove the late notice. So the action was incomplete.
Company Response:
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: PNC bank in XXXX, Ohio refuses to submit the payoff amount on my mortgage to another mortgage company that I am working with to refinance my mortgage at a lower rate. The nee mortgage company has requested a payoff amount in writing on 6 different occasions and I have called and asked the bank to fax the payoff amount to the mortgage company snd it has never been sent.
Company Response:
State: NM
Zip: 87507
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a auto loan with PNC bank. I was in a accident and the car was a total lost. At the time this happened COVID was affecting every life in the US. Do to COVID Im being affected with Pnc bank because the insurance took 2-3 months to pay the bank off and this is being reported on my credit report as 90 day past due when it wasnt my fault. I have never been late Ive made my payment on time the only item affecting my credit is from Pnc bank and needs to be permanently remove this information is not correct and I should not be held accountable for this. I demand this items is remove from all 3 credit.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My fiancee and I saw a small house for rent on XXXX XXXX, we took a tour in person and then went through the application process. We were approved, signed a lease, and I sent {$1900.00} total to my new landlord via XXXX for : application fees ( {$100.00} sent XX/XX/XXXX ), security deposit ( {$800.00} sent XX/XX/XXXX ), and first month 's rent ( {$1000.00} sent XX/XX/XXXX ). On XX/XX/XXXX, I discovered through public property tax records that my " landlord '' didn't own the home for rent and I was scammed. At this time the debit transactions were still pending, I called my bank PNC and asked them to reverse the charges. I was told that wasn't possible but they would investigate my dispute, and I'd receive a request for documentation in the mail. I received both the request for documentation and notice of rejection on XX/XX/XXXX. I was never given the chance to provide evidence for my dispute. I called PNC again to appeal my dispute, nothing changed. I went to my local PNC branch who said they would contact corporate about my case, and nothing changed. I've had a similar experience with XXXX. I've called many times and never could speak to anyone with authority or who could review my case. I could only contact the correct department through email. I was able to send them documentation but they've rejected my original dispute and my appeal.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: some went in and to my security box illegal twice at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. My box number is XXXX my name XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. My wanted XXXX XXXX XXXX XXXX XXXX and her XXXX XXXX ex veteran brother XXXX XXXX XXXX who loves to flashing fake law enforcement badges are being behind this or one there friends. Please email or mail the complaint forms. I also call contact the Texas states Attorney General. Please the wanted fugitives love call places thousands of times trying stop and cancel my complaints claiming to be me over the phone or write Letters using my stolen identification cards one from XXXX XXXX XXXX XXXX Massachusetts another from XXXX XXXX XXXX XXXX TX my apartment was broken in twice the my spare from my safety security box.
Company Response:
State: TX
Zip: 79902
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I am a former Simple Bank customer, which transferred all customers to BBVA USA mobile banking in the summer of 2020. I called BBVA USA on XX/XX/XXXX to reverse overdraft fees for an erroneous credit card transaction. They did so and confirmed that overdraft protection was on my account. The next day, BBVA USA assessed two return check fees for automatic transfers of {$250.00} a piece citing " insufficient funds. '' The problem, however, was existing funds of at least {$400.00} were in my account the night of XX/XX/XXXX. In addition, overdraft protection was turned on that day to restore my account to the standard that Simple Bank once had. The customer service representative I spoke to confirmed that overdraft protection was on on his end, but that I would need to step into a physical branch to confirm the actual amount of overdraft protection. Despite this confirmation, for some reason, BBVA USA denied both automatic transfers rather than just on XX/XX/XXXX. More than sufficient funds entered the account the morning of XX/XX/XXXX to have satisfied any overdraft demand of around {$100.00}. Overdraft protection has been automatically on for Simple, but, somehow it was turned off when my account was transferred fully to BBVA USA mobile ( without my consent and as part of an automatic merger between the Simple Bank on-line platform and BBVA USA proper ). Overdraft protections were on XX/XX/XXXX after my first complaint, but this protection was not in operation when two new fees hit my account on XX/XX/XXXX. BBVA customer service tried to negotiate me into accepting one of the fees, claiming that an insufficient balance of {$60.00} existed, whereas a balance of at least {$400.00} actually existed for two separate automatic transfers of {$250.00} a piece. All consumers should be aware that BBVA USA plans to transfer these accounts to PNC. They do not have a consistent policy regarding.
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: 2021-08-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX to XX/XX/XXXX Fraud false checks was deposited into my account and the banking institution closed my account based on their terms and conditions. However on XX/XX/XXXX my payroll direct deposit was deposited into my account. I was informed that on XX/XX/XXXX a cashiers check will be mailed to me. I've gone to the branch and spoke to customer service to no avail. I have yet to receive my funds from the account as of XX/XX/XXXX. I've been left to feel more like the criminal than a customer. This is PNC Bank and the actual branch that I'm having the issue with is the branch in XXXX NJ. The XXXX XXXX Branch. I also feel discriminated against because on more than one occasion I've been asked what brings me to this branch. My address is not in that area, but nonetheless I didn't know there were boundaries for bank branches and I thought consumers are free to bank at any branch that is available to them as long as they are a consumer. I failed a complaint with the bank itself and now I would like to file a complaint with the CFPB. I can be reached at XXXX or XXXX XXXX
Company Response:
State: NJ
Zip: 07108
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A