Checking or savings account -- Managing an account -- Complaint #4693423

Complaint Overview

Complaint ID: 4693423

Company: PNC Bank N.A.

Product: Checking or savings account

Sub-Product: Other banking product or service

Issue: Managing an account

Sub-Issue: Banking errors

State: California

ZIP Code: 92584

Date Received: 2021-09-04T12:00:00-05:00

Date Sent to Company: 2021-09-04T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Tags: Servicemember

Consumer Narrative

I had been in communication with customer service reps with Simple Banking over these issues with my shared checking account which began with not having the amounts credited to my account after I placed a sum aside in the expense category feature they had in the Simple app and then transferred it to a goal. It did not make its way to that goal and become my available balance! It was {$630.00} I believe, and this happened in XX/XX/2018. I spent months upon months going back and forth with them which turned into over a year until they were taken over by BBVA and my complaints are gone now along with any hope of a resolution! Soon PNC will be taking over BBVA as well! I have already been charged close to {$300.00} with BBVA since they started managing my old Simple accounts and the transaction records they have are incomplete and displaying inaccuracies of the account balance then charging outrageous fees for insufficient funds which is not correct! Also I continually have problems logging into the online banking platform for weeks at a time with complications with passwords and secured online access that I cant even manage my money anymore! I want those fees reversed because they should never have been administered to begin with while they mismanaged the transactions thereby creating insufficient funds during the times they chose to make or accept certain ACH payments and transfers all in order to benefit from the fees charged to my account! Simple basically stole over {$600.00} from my account before BBVA came to claim nearly {$300.00} in excess fees so thats almost {$1000.00} that was taken from my account in a most nefarious manner. I have screenshots that show my balance one moment as an amount then another the next moment showing a completely different amount yet there are zero transactions on the record to prove that there was a reason for the changing sums! There was something going on with their expense and goal features in the Simple App that essentially depleted my funds by utilizing them as I was instructed to do so to help me budget better but ending up just making my budget worse off than before! There is clearly something amiss here and it can be seen by the many screenshots Ive taken over the months that show conflicting information relating to the obvious misappropriation of my account balance while Simple was the financial institution mainly used to pay certain bills ; This having ended up costing me even more with those merchants due to several returned payments and late charges after they mishandled the automatic payments each month towards the acquisition by BBVA.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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