Phillips Trenching & Well Drilling

PNC Bank, N.A. responded to Mr. [redacted] on October 15, 2015 and considers this matter addressed. --DMB 10/15/15

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I...

reviewed appear below.
Regards,
[redacted]A PNC representative did contact me. But she didn't answer my very basic questions. I was told by various PNC representatives that the hold on my account would only be for 24 hours to resolve the issue, but my account was frozen for clear over a solid week of business days. The PNC rep that I spoke with  mailed me many many many pages of PNC rules and regulations to back up their actions, however, because of there being so many pages, many of which were not relevant AT ALL to my situation, I had a very hard time sorting through them to make sense of anything that was supposed to back up PNC's decision to freeze my account for over 7 business days. At this point, I feel like the safest option is to switch my money to a different bank because I cannot afford for PNC to randomly freeze my account again without explanation. I feel more dissatisfied with PNC as a business now than even while my account was frozen due to the representative belittling what their neglegence and inefficiency cost me.

December 28, 2016PNC Bank, N.A. responded to [redacted] on December 28, 2016, and considers this matter addressed.Thank you,ACB

June 20, 2016- PNC Bank, National Association has responded to [redacted] on June 20, 2016 and considers this matter resolved.  Thank you, MJ

I just wanted to let you know PNC Bank, N.A. responded to [redacted] on 4-14-17, and considers this matter addressed,  if you could please update your records. Thank you! Thank you,  Rachel M[redacted]Executive Client Relations Officer

PNC Bank, N.A.
responded to Ms. [redacted] on October 30, 2015, and considers this matter
addressed. Thank you

PNC Bank, N.A. responded to Mr. [redacted]  in writing on October 23, 2017, and considers this matter addressed

"PNC takes our customer's concerns very seriously. We will be working privately with ourcustomer to resolve this issue."

October 19, 2016 PNC Bank, N.A. responded to [redacted]  on October 7, 2016, and considers this matter addressed. Thank you,CJ

PNC responded to [redacted] on December 10, 2015 and she considers the matter addressed.  Thank you.Melissa G[redacted]Executive Client Relations

June 1, 2016Dear Ms. [redacted],PNC Bank, N. A. responded to Mr. [redacted] on June 1, 2016, and considers this matter addressed. Sincerely,Lisa M[redacted]Executive Client Relations

PNC Bank, N.A. responded [redacted] on 3-2-17 , and considers this matter addressed

PNC Bank, N.A. responded to [redacted] on September 26, 2017, and considers this matter addressed.

June 10, 2016Dear Ms. [redacted]PNC Bank, N.A. responded to Mr. [redacted] on June 10, 2016, and considers this matter addressed.Sincerely,Lisa M[redacted]Executive Client Relations

PNC Bank, N.A. responded to [redacted] on September 29, 2017, and considers this matter addressed.

The person I talked to at the escalation department said the bank will not take any responsibility with this matter.  Ths issue that I have is that after the teller told me that the cashier's check is not a "protected check" anymore I relied on her personal advice and knowledge as a banker.  The teller specifically told me verbatim that she would know whether the check would clear in 24-48 hours and she called me to tell me the check was good.  If she had told me what the person in the escalated deparmtnet told me - that you can't be sure if Cashiers Checks can clear for up to 30 days I WOULD HAVE NEVER CASHED THE CHECK!  I relied on her expertise and she misled me.  The banks need to educate their employees on Fraud and Cashiers Checks.  The bank has a responsibility to do so.  She could have even told me she wasn't sure of the specifics of what to do with a cashiers check and then I would have researched it myself -  but she didn't. If you want to find out whether a check is genuine, call or visit the bank on which the check is written. That bank will be in a better position to tell you whether the check is one they issued and is genuine.Know the difference between funds being available for withdrawal from your account and a check having finally cleared. Your bank may be required by law to make funds available to you even if the check has not yet cleared. However, it could take several weeks to know if the check will clear or not.If you can't trust your bank with your money matters than who are you supposed to trust?  What is your role in supporting your customer's and their money?  Are you not there to offer sound financial adivice and support to your customers?  Do you just drop your customers once they have an issue and you played a major part in that issue?  Do you not return their phone calls and act like they are harassing you just for expecting follow-up.   Do you let your tellers  give our misinformation and then not take any credit in what occurred?  Because that is what you are doing right now.  If I were a major personnel at a bank the first thing I would do is send all my employees information on how to identify red flags for fraud and how to advise my customers against it.  I would educate your tellers that Cashiers checks do not clear in 24 - 48 hours, but it could take up to 30 days. There are hundreds of sites on the web that discuss this type of fraud.  It has become rampant.  If I would have taken 5 minutes of my time I would have known about it.   However, I relied on what your teller told me.  I throught she was knowledgeable on the subject.  Additionally, I asked to speak the Greater Maryland Bank Manager about this situation.  I was told they are not allowed to give out that type of information and that I would be contacted by them.  I'm sure I won't be - I doubt that anyone will return my phone call.

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Regards,
[redacted]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.  I'm thankful that you exist and can continue to provide valuable service to consumers.
Regards,
[redacted]

PNC Bank, N.A. responded to [redacted] on 10-26-17, and considers this matter addressed

PNC Bank, N.A. responded to [redacted] on September 27, 2016, and considers this matter addressed.