Date Received: 2021-07-29
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have been trying for a week to get a mini statement showing proof that I have the money in my account to purchase my house. I opened this account online as I am moving to XXXX XXXX and needed a local bank. I have been in XXXX and am currently crossing the country by XXXX so I can not go into a physical location. All I need is proof of funding that my $ XXXX is in the bank so my home loan can proceed. First PNC told me they could not get me a mini statement except by mail or physically being in a location. Then they said they would email, but 5 phone calls and 25 hours later later and the email still hasnt gone through. Then they said they would fax it maybe sometime today after they told me they could, then they couldnt, then they could fax the mini statement. Im beyond frustrated. Here I am after hours on hold STILL waiting for a mini statement. This is unconscionable. I should be able to get verifiable proof that PNC has my funds any time I need it.
Company Response:
State: CA
Zip: 93710
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Denied me because of my credit score and Discrimination.. They have kids working in the underwriting Please confirm and check into this.
Company Response:
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-28
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I recently filed a complaint against BBVA for an abundance of unauthorized XXXX transactions. The company responded saying in the end they would reevaluate the charges and get in touch with me. Two weeks have gone by and not a single rep has reached out to me as stated in their response. A dispute has not been started ( again as they stated in their response ) and since I have left the account open to hopefully get my funds back they have now charged me {$64.00} in low balance fees. BBVA is completely unable to manage a bank, has little to customer support, and is being bought out which makes them probably care even less about people and when they get their money stolen. I would like my original dispute totaling over {$13000.00} and this {$64.00} returned to my account before having to file a class actions suit against the company.
Company Response:
State: FL
Zip: 328XX
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: 2021-07-28
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: XXXX Deposited a third party check ( {$12000.00} ) signed over to me from my husband via an ATM PNC bank where my bank account has existed for 30 years. XXXX The check was deposited and withdrawn ( no notification from the bank ). I discovered when I checked my balance. XX/XX/XXXX I called the PNC branch in XXXX, OH to understand why the deposit didnt go through. XXXX ( the teller, said it was because the check was over the amount allowed to be deposited into the ATM. When I went into the branch later that day, the branch manager said it was because my husband isnt their client and they can not verify his signature. They were unable to return the check to me, but said I would receive a replacement legal check in the mail within 7-10 days. XX/XX/XXXX I called customer service for the status of the check. I was told the check was sent on XX/XX/XXXX. Then waited. XX/XX/XXXX I called customer service for the status of the check. The representative told me they can see that the check was lost. She said she could reissue the check but it would take an additional 7-10 days. So instead she encouraged me to go into the branch and told me to ask them to have Returns overnight the check. XX/XX/XXXX I left work early to get the branch before XXXX only to discover the banks new hours are XXXX. I got there at XXXX. I work from XXXX and will not be able to get there during their open hours until the weekend. So I called customer service. I spoke with XXXX who was helpful, but didnt have the structure in place to escalate my call to a manager. If the branch can request a check to be sent overnight, why cant customer service. We are living in a digital age. She had already sent me a multi factor identification code via text. But alas she did not have the ability to make the over night request. She also was unable to take the call when I asked for a manager. She wasnt able to get me to the Office of the President and when I let her know I would go public the best she could do was submit a complaint to have someone call me back at some point in the next day or so. XX/XX/XXXX I still havent heard anything from PNC bank. I still do not have the check I deposited on XXXX. And I have no idea when I will. I have lost all trust with PNC bank. And upon receipt I will be taking my business elsewhere after 30 years.
Company Response:
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2021-07-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: The problem is, PNC does not keep up daily accounts of transactions and sometimes, the amount says one thing, but the actual amount is another, less. Then I spend the money that says I have " available '' in the account only to find there are overages. Now, I have asked on several occasions for them to return charges of {$36.00} each, this time twice adding to {$72.00}, but they refuse. I have asked them to put into writing their side of the story, but they refuse, obviously because the company knows they are perpetrating fraud. Since XXXX of XXXX, the United States has made it possible for banks to carry 0 funds to cover transactions. The fraud comes in because the banks did not notify me that there are no actual money transactions being made, but only by computer, so in effect, there were never any overages to my account, because they did not have the money to back my supposed negative balance. They have never informed me of this situation, never disclosed there is no money exchanged between parties, which constitutes fraud. I have these two as examples of this situation and have others adding up to over {$900.00} since being a customer of PNC. As you can see by PNC 's own admission, they state that if the account is overdrawn and they have to " Pay, '' is fraud because they are not paying anything. They are not using money, only electronic means, no actual money is necessary in the bank to pay a debt that supposedly exists. The admission they are paying is fraud. Their wording, not mine. PNC has never, not once enclosed this information to me, their client.
Company Response:
State: NJ
Zip: 08859
Submitted Via: Web
Date Sent: 2021-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This company has violated my rights as outlined within Section 604 of the Fair Credit Reporting Act. I never authorized this company to pull my information. Please remove this inquiry from my credit report.
Company Response:
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2021-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-28
Issue: Getting a line of credit
Subissue:
Consumer Complaint: On XX/XX/2021 I reached out to PNC BANK in regards of applying for a consumer credit transaction. At my request, I gave notice to the loan officer that I was asserting and reserving all rights under the ECOA ( Equal Credit Opportunity Act ). Pursuant to : " Use of Credit History Information -- 12 CFR 1002.6 ( b ) ( 6 ) '' This request was made verbally by phone, also through via email and USPS Certified Mail. ( Please see all attachments for confirmation ) Through correspondence with the mortgage loan officer via email, he stated that my ECOA ( Equal Credit Opportunity Act ) request is being forwarded to their legal department for review. I have not heard back from the loan officer on any updates or status transparency, nor have I been granted the opportunity to apply for this transaction.
Company Response:
State: OH
Zip: 44122
Submitted Via: Web
Date Sent: 2021-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-28
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I purchased my home in XXXX utilizing Compass Bank with a physicians loan. We refinanced for a better rate in XXXX. So I had a loan with Compass Bank from XXXX. In XXXX of XXXX my husband and I applied for a HELOC with XXXX XXXX against our house. Their loan department found out that Compass Bank never released the lien on the house to XXXX County. Compass Bank was contacted and informed about their mistake. Myself and XXXX XXXX continued to check with XXXX County Register of Deeds and they never received anything. I called again on XX/XX/XXXX and Compass Bank assured me they sent it on XX/XX/XXXX but I explained to the representative that the county did not have it. Compass Bank said they would escalate my situation and gave me a ticket number. They had also given myself and my loan officer from XXXX XXXX a contact ( XXXX XXXX XXXX ) that throughout this process I have personally called at least 20 times and left messages as well as my XXXX XXXX loan officer has tried to call. Neither one of use ever got a return phone call and XXXX never answered her phone. On XX/XX/XXXX I called Compass Bank again with my loan officer from XXXX XXXX. We were told that the lien was resent on XX/XX/XXXX. When I called and spoke to XXXX county that day they still had not received it. We then asked the customer service representative what address the lien was sent to and we found out they sent it to the wrong address. We gave the representative the correct address and again was given a ticket number and was told they would " escalate the situation ''. The supervisor that would handle the issue is only allowed to be communicated with an internal email and we were not allowed to communicate with them. I was told to call back the next week to confirm Compass Bank actually did their job. I called Compass Bank back on XX/XX/XXXX. I was transferred 3 times because the costumer service agents told me even though I had a ticket number because my account was closed in XXXX they could not help me ( this was a new one ). The third agent could finally look at my file and could not confirm if the lien was resent to the correct address. While on the phone with me she tried to contact XXXX XXXX as I guess she was the agent in charge of my case and could not reach her. The customer service representative then did the best that she could and assigned me a new case and a new agent. Unfortunately, this still did not resolve my issue. I was assured I would get an email in 2 business days... we will see. This process has been more then frustrating and not to mention the time employees of XXXX XXXX and myself have spent trying to fix Compass Bank 's mistake.
Company Response:
State: NE
Zip: 680XX
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-26
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX, I went to the bank and made a deposit of XXXX XXXX and XXXX XXXX dollars but through out the process I filled out the deposit slip and unnoticedly only wrote XXXX XXXX and XXXX XXXX dollars but the teller didn't give me the XXXX XXXX dollars. So the next day I checked the bank account and the deposit was wrong and I went to the bank and they told me that they cant do anything right now and told me to come back in 3 weeks. So I came back in 3 weeks and they said that the deposit was only XXXX XXXX and XXXX XXXX dollars so I demanded the look at the video tape so they refused to show me the tape. So I called the police and I told him can he help me look at the tape and he disrespectfully said he don't have to do that because the bank told him that the deposit was only XXXX XXXX and XXXX XXXX dollars. He also said that I stole the money and give it so someone else and blamed it on the bank but its my money so why I have to steal it. I want to see the tape because I know for sure the the deposit was XXXX XXXX XXXX XXXX and not XXXX XXXX and XXXX XXXX dollars.
Company Response:
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX and XXXX, I hosted a basketball tournament in which teams make payments to participate. I established a checking account with BBVA. I was sure that I set up a XXXX account. During months leading up to the event, teams registered using XXXX XXXX as the payment processor ( XXXX XXXX ). A part of establishing the account with XXXX XXXX was verification of my XXXX that included me sending in required documentation ( IRS letter including Tax ID #, my personal information, etc. ) The monies collected were deposited into the BBVA account. After the event, I attempted to wire funds to pay for the referees. My account was frozen due to Fraud. I contacted the Fraud and Legal department of BBVA and was advised I needed to send in an IRS letter to connect me with the XXXX account because the account that I had with them was a personal account. The agent requested an IRS letter. On XX/XX/XXXX, I emailed the IRS letter to BBVA. I have called and left messages with the agent handling my account at XXXX. Today, XX/XX/XXXX, I spoke with an agent that advised that there was only {$96.00} in my account out of the XXXX that was previously collected. I have not heard from anyone at BBVA to advise as to why the monies were sent back or that they would be sent back. I still have outstanding creditors that need to be paid. This is creating undue stress as I do not know where XXXX dollars has gone. I am a XXXX XXXX XXXX XXXX and this was my second event. My credibility as an XXXX XXXX is being questioned amongst other things.
Company Response:
State: SC
Zip: 29732
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A