Credit card or prepaid card -- Fees or interest -- Complaint #5299027
Complaint Overview
Complaint ID: 5299027
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: Pennsylvania
ZIP Code: 193XX
Date Received: 2022-03-08T12:00:00-05:00
Date Sent to Company: 2022-03-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
This complaint is about the PNC Bank-XXXX credit card policy involving abusive consumer payment due dates. I have been a customer/depositor of PNC Bank for over 30 years and a PNC XXXX credit card user for at least 15 years. During this period I have made timely monthly payments in full for my monthly credit card charge balances. I make these in full payments each month, in person and by personal check, at my local PNC branch bank so that I can obtain a written receipt acknowledging my timely payment in full for the monthly balance due. For the month of XXXX, XXXX, my XXXX payment was due by Sunday, XX/XX/2021. When I arrived at my local PNC branch bank on XX/XX/XXXX, I discovered that the branch was closed because it was Sunday. On the next business day, Monday, XXXX XXXX, I paid my monthly balance in full in the amount of {$190.00}, at my local PNC branch bank. In XXXX, XXXX, I received my monthly PNC-XXXX credit card statement for the period ending XX/XX/2021. The statement included a late fee of {$27.00} along with an interest charge of {$4.00} because I failed to pay my XXXX, XXXX balance by XXXX XX/XX/2021. Thereupon, I called the Visa customer service department, seeking a reversal of these abusive, egregious charges in the total amount of {$31.00}. Finally, upon my demand, I was connected to a customer service supervisor who had the authority to extend to me a " one time courtesy '' of removing these charges from my account. This reversal resulted in a balance due on XX/XX/2021 in the amount of {$190.00}. This sum was paid by me on XX/XX/2021.
Frequently Asked Questions
What is Complaint #5299027 about?
Complaint #5299027 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 2022-03-08T12:00:00-05:00.
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.