Total CFPB complaints
859
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 859 complaints
PNC Bank N.A. — Debt Collector Complaint Profile
CFPB complaint profile across 45 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about PNC Bank N.A.
- Attempts to collect debt not owed
Attempts to collect debt not owed
328 complaints
- Took or threatened to take negative or legal action 82
Took or threatened to take negative or legal action
82 complaints
- False statements or representation 78
False statements or representation
78 complaints
- Written notification about debt 57
Written notification about debt
57 complaints
- Communication tactics 41
Communication tactics
41 complaints
- Disclosure verification of debt 24
Disclosure verification of debt
24 complaints
D
Grade D · 57.7/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about PNC Bank N.A.?
PNC Bank N.A. has accumulated 859 total CFPB complaints across 45 states, with 166 filed in the most recent 12 months against 693 historical complaints before that window. The trailing-12-month volume represents 19.3% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 14% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 45 states, led by Florida with 89 and Georgia with 83, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.7/100 places PNC Bank N.A. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
166
19.3% of total history
Rising ↑
States active
45
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
14%
After company response
Reputation grade
D
57.7/100 composite
Response-quality profile
How PNC Bank N.A. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 28.2%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 80.4%
Share of US states + territories with at least one filed complaint against this collector.
How does PNC Bank N.A. compare to its peers?
PNC Bank N.A. National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed328 (%)
Took or threatened to take negative or legal action82 (%)
False statements or representation78 (%)
Written notification about debt57 (%)
Communication tactics41 (%)
Disclosure verification of debt24 (%)
Cont'd attempts collect debt not owed23 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 143 |
| Attempts to collect debt not owed | Debt was result of identity theft | 95 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 82 |
| False statements or representation | Attempted to collect wrong amount | 78 |
| Attempts to collect debt not owed | Debt was paid | 64 |
| Written notification about debt | Didn't receive enough information to verify debt | 57 |
| Communication tactics | Frequent or repeated calls | 41 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 26 |
| Disclosure verification of debt | Not given enough info to verify debt | 24 |
| Cont'd attempts collect debt not owed | Debt is not mine | 23 |
Where do complaints against PNC Bank N.A. come from?
The states where consumers have filed the most CFPB complaints against PNC Bank N.A.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against PNC Bank N.A.
Across 45 states with at least one filing
- Florida
Florida
89 complaints
- Georgia
Georgia
83 complaints
- Pennsylvania
Pennsylvania
79 complaints
- Texas
Texas
67 complaints
- Ohio
Ohio
66 complaints
- New Jersey
New Jersey
49 complaints
- Illinois
Illinois
48 complaints
- California
California
45 complaints
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 859 complaints filed with the CFPB.
Are complaints against PNC Bank N.A. increasing or decreasing? ▼
Complaints against PNC Bank N.A. are rising. The company received 166 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is PNC Bank N.A.'s reputation grade? ▼
PNC Bank N.A. has a reputation grade of D (score: 57.7/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 45 states, with the most complaints from Florida (89 complaints).
What can I do if PNC Bank N.A. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If PNC Bank N.A. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |