Date Received: 2021-07-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Saturday, XX/XX/2021 between XXXX and XXXX I made a cash deposit of XXXX at the PNC ATM at XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NC XXXX ( XXXX XXXX ). The machine counted the bills and advised that the amount deposited was XXXX instead of the XXXX and I was given the option to go ahead with the deposit or take my bills back. I opted to take the bills back as this deposit amount was incorrect. The machine gave me back XXXX instead of the XXXX that I deposited. The number on the side of the ATM was the PNC bank XXXX number which is closed after hours. I've called PNC bank several times and was advised to open a case AND talk to the branch. I opened the case as advised. I also advised the XXXX number rep that the deposit was being made to cover a withdrawal for a credit card payment that was coming out and that I need my account credited immediately. The rep called another department and told me that since I already have money in my account i should be able to wait the 10 days it would take to service the broken ATM. I also called the branch on Monday and was told that since I had opened the case over the phone there was nothing that they could do. This issue is causing and has caused tremendous financial hardship for my family and I. I need my funds credited soon as possible.
Company Response:
State: NC
Zip: 28213
Submitted Via: Web
Date Sent: 2021-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX, I incurred a {$38.00} Late Fee from PNC Bank ( Ex. 4 ) as a result of its faulty auto-pay system. I had previously received a credit for a late fee on XX/XX/XXXX, ( Ex. 1 ) due to its deficient auto-pay system which was refunded on XX/XX/XXXX, ( Ex. 5 ). PNC Bank contends that because they had refunded one late fee, its policy prohibits it from issuing another late fee notwithstanding its deficient auto-pay system. I have had several conversations with PNC 's representatives regardings this issue to no avail ( Exs. 11-12 ) ; indicating that its centralized system prohibits it from issuing more than one late fee refund within the calendar year notwithstanding bank error ( deficient system ) [ Exs. 10-10a ]. PNC Bank deficient auto-pay system treats an auto-payment as an external transfer, but not for an indefinite period. And, once the auto-pay expires, you have to reinstate the transfer all over again. When, I reinstated the auto-pay on or about XX/XX/XXXX, with the help of its representative that refunded the first late payment, it was set up for the wrong date, i.e., for the XXXX of the month when it should have been set up for the XXXX of the month when my payment was due ( Exs. 4a- 7 ). However, its deficient auto-pay should have rejected the XXXX or made it early 28 days before it was due, nevertheless, the deficient auto-pay system accepted this day and charged me another late fee defeating the purpose of the auto-pay. After going around and around with PNCs representative ( middle and senior levels ), I was unable to secure my {$38.00} refund for the late payment. Compare XXXX XXXX auto-pay system to PNC 's auto-pay system which is more user-friendly ( Exs. 10, 10a, 13 ).
Company Response:
State: WI
Zip: 53218
Submitted Via: Web
Date Sent: 2021-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-25
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: In XX/XX/XXXX, we opened an equity loan with PNC bank in XXXX, AL - we were told that we HAD to also open a checking account in order for them to automatically deduct the monthly payment. We were assured that as long as we either kept {$2000.00} average checking balance or our loan balance was greater than {$15000.00} then they would NOT charge a XXXX XXXX monthly fee. Several times over the years the checking balance has been less than {$2000.00} and we have never been charged a fee. Starting in XX/XX/XXXX they charged the fee and advised me that it was due to checking account average being below {$2000.00}. I questioned why a fee was charged when my loan balance is still above {$15000.00} and they told me that was no longer an option to waive the fee. They stated that now I was required to maintain a {$2000.00} checking average balance so I asked them when this changed and why I was never notified. They said it would have been on one of my statements but could not advise me which one. I have checked all of the XXXX online statement messages and there is no notification that they were removing the linked option of loan balances over {$15000.00}. I did not want this checking account anyway so I will not pay a $ XXXX monthly fee just so they can deduct my monthly loan payment when I have other bank accounts that I can allow them to debit. I was advised today that should I cancel the checking account they might increase my fixed interest rate on my equity loan from XXXX - I thought thta banks were required to give advance notice of fee changes and I do not think it is legal for them to adjust my interest rate if I choose to cancel the checking account but allow them to do automatic payments from a different bank account. Can you assist me?
Company Response:
State: AL
Zip: 36067
Submitted Via: Web
Date Sent: 2021-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-24
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I tried to deposit a check into my BBVA checking account. BBVA automatically stated the check was fraud and closed my checking account. I banked with them for years, I called them and told them to call the company to verify the check was legitimate and they would not contact them.
Company Response:
State: NY
Zip: 11423
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-24
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: ADVANCE advertised had a fee of 3 % of the amount transferred. However, at the end of the ad, it stated that the max fee was {$50.00}. I transferred and was charged {$300.00}. A PNC Agent filed a complaint for me on XX/XX/2021. I haven't heard from the settlement person in 36 hours. I'm filing this in case I NEVER hear!
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2021-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-22
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/XXXX, I had a recurring payment made to checking account at BBVA. That charge incurred an overdraft fee ( - {$1.00} ) and stated that due to overdraft protection, my incurred fee was {$0.00}. On XX/XX/XXXX, another recurring payment ( {$15.00} ) was made resulting in overdraft fee of ( $ XXXX ). On XX/XX/XXXX, another recurring payment ( {$3.00} ) was made resulting in a 2nd overdraft fee of ( $ XXXX ). On XX/XX/XXXX, another attempt was made ( {$15.00} ) resulting in a 3rd overdraft fee of ( $ XXXX ). My balance is now $ XXXX for overdraft protection that didn't do it's job. The worst part is I called to cancel my account and was extremely frustrated when I found out I am unable to close the account due to my balance. Plus the dispute process for overdrafts takes up to 90 days, which leaves me in a horrible position to continue collecting overdraft fees on the account with no resolution. This practice seems very predatory and I am left with an unusable account racking up debt that I can't pay off. Please help!
Company Response:
State: CA
Zip: 93103
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-23
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: BBVA USA XXXX PNC Checking account migrated from Simple. I was charged NSF fees, despite having been told the only fees that would apply to the account after migration would be paper statement fees, which I avoided by moving to paperless. I was charged these fees beginning XX/XX/XXXX. If notice was provided about these fees, it was deliberately obtuse, and I have no recollection of such notice. They have since been charging fees- even after I blocked my debit card and demanded that they close the account. I demanded account closure on XX/XX/XXXX by phone, and have been charged five NSF fees since, totaling {$160.00}. They received a letter via certified mail on XX/XX/XXXX demanding that they close all of my accounts, and I have received no response, and my accounts remain open. I have used their support message system at least twice to demand refund of these fees and the closure of my account. The only response I have received is a standard demand for funding the account before closure, in addition to threatening more fees. I need this account closed immediately, and they seem intent on ignoring my demands and charging me as many fees as they can get away with.
Company Response:
State: MO
Zip: 64133
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: 2021-07-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute with XXXX XX/XX/XXXX Report # XXXX in reference to my car loan with PNC bank. I filed bankruptcy XXXX and signed a reaffirmation for repayment. My payments are current and up to date. PNC bank refuses to report my payments to the credit bureaus. I provided my payment history and a copy of the reaffirmation to XXXX. XXXX reached out to the lender which they confirmed the information is correct but still no changes made to my credit report. I even spoke to a Supervisor at XXXX who explained to me that if a creditor doesn't report it, they can't make them regardless if they're taking my payments.
Company Response:
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: When I was sick with XXXX in the middle of the pandemic last year, and behind on my payments, PNC Bank repossessed and sold my commercial truck in clear violation of Georgia law OCGA, part 10-1-36 ( b ) that forbids them from selling the vehicle out of the county in which it was purchased, serviced, or repossessed. They were put on notice after the repossession that Georgia law required them to sell the vehicle at public auction in the county in which it was purchased, serviced, or repossessed. My every attempt to notify them of this by certified mail as well as telephone correspondence went completely ignored.
Company Response:
State: GA
Zip: 31088
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: PNC bank instituted a change in policy with regards to maximum number of transfers from a savings account due to COVID- where they stopped charging fees to consumers for transferring more than 6 times per month from a savings account. I was not informed why this changed - and became accustomed to the added flexibility of being able to move funds freely without restriction. In XXXX of this year, they began reinstituting the fee collection process but did not distribute a notice to all of their customers. My savings account had 13 transfers, equating to 7 total {$3.00} fees. The bank refunded the fees but it is very troubling to me that the bank changes their position on fees without a proactive notification to customers. I confirmed with a bank representative that they had no indication of sending me a notice during my call which ended at XXXX.
Company Response:
State: OH
Zip: 43026
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A