Credit card or prepaid card -- Fees or interest -- Complaint #4572942
Complaint Overview
Complaint ID: 4572942
Company: PNC Bank N.A.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: Wisconsin
ZIP Code: 53218
Date Received: 2021-07-25T12:00:00-05:00
Date Sent to Company: 2021-07-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
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 ).
Frequently Asked Questions
What is Complaint #4572942 about?
Complaint #4572942 was filed against PNC Bank N.A. regarding Credit card or prepaid card specifically about Fees or interest. It was received by the CFPB on 2021-07-25T12:00:00-05:00.
How did PNC Bank N.A. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card or prepaid card) and describe your issue in detail.
Can I see other complaints against PNC Bank N.A.?
Yes, visit the PNC Bank N.A. company profile at readthecomplaint.com/company/pnc-bank-n-a to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.