This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 907 complaints

PNC Bank N.A. - Debt Collector Complaint Profile

CFPB complaint profile across 46 states, reputation grade D.

Complaints by issue type

What consumers report about PNC Bank N.A.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 57.7/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: PNC Bank N.A. ranks ahead of 34% of the 5,283 collectors PlainCollector grades - 66% keep a cleaner CFPB record, on 907 all-time complaints and a 100% timely-response rate.

34th pct
reputation rank of 5,283 graded collectors
907
CFPB complaints, all-time
100%
answered inside the CFPB window
194
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about PNC Bank N.A.?

PNC Bank N.A. has accumulated 907 total CFPB complaints across 46 states, with 194 filed in the most recent 12 months against 713 historical complaints before that window. The trailing-12-month volume represents 21.4% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 100% timely-response rate against a 14% consumer-dispute-after-response rate.

Complaints have been recorded across 46 states, led by Florida with 97 and Georgia with 86. Normalized against the full CFPB collector database, the reputation score of 57.7/100 places PNC Bank N.A. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

907

mid-volume (CCDB)

Last 12 months

194

21.4% of all-time complaints

Stable →

States active

46

multi-region footprint

Timely response rate

100%

excellent band

Consumer disputes

14%

average (vertical avg ~19%)

Reputation grade

D

57.7/100 composite

How does PNC Bank N.A.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

58 34th percentile higher than 34% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

PNC Bank N.A. versus the debt-collection vertical average.

Timely response within SLA 100.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 14.1%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 82.1%

Share of US states + territories with at least one filed complaint against this collector.

How does PNC Bank N.A. compare to its peers?

How does PNC Bank N.A. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
PNC Bank N.A. National average
Complaints (last 12 mo)lower is better
194
634
268
Timely-response ratehigher is better
100%
99%
91%
Consumer-dispute ratelower is better
14%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 351
Took or threatened to take negative or legal action - 169
False statements or representation - 93
Written notification about debt - 84
Communication tactics - 72
Cont'd attempts collect debt not owed - 58
Disclosure verification of debt - 31
Improper contact or sharing of info - 16
Electronic communications - 15
Taking/threatening an illegal action - 12

Where do complaints against PNC Bank N.A. come from?

PNC Bank N.A.'s own per-state count, not a national baseline.

Top states by complaints against PNC Bank N.A.

Across 46 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if PNC Bank N.A. contacts you

A grade of D signals how PNC Bank N.A.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really PNC Bank N.A. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how PNC Bank N.A. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against PNC Bank N.A.? ▼

The most common issue consumers report about PNC Bank N.A. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 907 complaints filed with the CFPB.

Are complaints against PNC Bank N.A. increasing or decreasing? ▼

Complaints against PNC Bank N.A. have been stable. The company received 194 complaints in the last 12 months.

What is PNC Bank N.A.'s reputation grade? ▼

PNC Bank N.A. has a reputation grade of D (score: 57.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does PNC Bank N.A. respond to consumer complaints? ▼

PNC Bank N.A. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 14% of cases.

In how many states does PNC Bank N.A. operate? ▼

PNC Bank N.A. has received CFPB complaints from consumers in 46 states, with the most complaints from Florida (97 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.