Phillips Trenching & Well Drilling

PNC has responded to [redacted] on December 29, 2017, and considers this matter to be addressed.

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

October 18, 2017[redacted]
[redacted]
[redacted]RE: Revdex.com of Western Pennsylvania  - Complaint Number [redacted]Dear Mr. [redacted]:This is in response to your complaint filed on August 10, 2017, with the Revdex.com regarding the...

monthly service charge assessed to your PNC Bank, National Association (“PNC”), Virtual Wallet Spend Account ending in XXXX (the “Account”).  Thank you for taking the time to speak with me on August 15, 2017, regarding your complaint.  I appreciate the opportunity to address your concerns.In your complaint and during our conversation you stated that it was never communicated to you that changes were being made to the Virtual Wallet and that you did not want your Account closed.  You further stated that our Chat representative closed your Account against your wishes and was very rude during your interaction.  You are requesting a refund of the fees.  As disclosed in PNC’s Virtual Wallet Fine Print (“Account Agreement”), we will update this Agreement and the Virtual Wallet Features and Fees from time to time.  We may change fees and charges, and we have the right to convert your account from one product to another.  We will inform you of any amendment(1) by mailing notice of the amendment and the amendment itself, in paper form, to the address on file for your statement; or (2) if you have opted to receive online statements in electronic form, by posting the notice of the amendment and the amendment itself on PNC’s secure Online Banking web site.  For more information, please see the “Amendments” section of the Account Agreement.  I have enclosed an additional copy of the Account Agreement for your review.At the time you opened your Virtual Wallet account and prior to June 1, 2017, the $7.00 monthly service charge (listed on your statement as Calculated Service Charge) for the Virtual Wallet product was waived if any of the following requirements were met:• $500 combined average monthly balance in your Spend and/or Reserve Accounts.• $500 in qualifying* monthly direct deposits to your Spend account during the statement period.• Use only ATM, online banking, mobile banking or other self-serve electronic methods to make withdrawals and deposits (i.e., the self-service waiver).• Provide proof of active enrollment in a qualifying educational institutionPNC notified customers of the removal of the self-service waiver option beginning in December 2016 via statement message as well as additional touch points and communications between March and June 2017.  Removing the self-service waiver on Virtual Wallet helps create more consistency and simplicity to our product set.  We apologize for any inconvenience this matter has caused you.  I have enclosed a copy of your statement dated December 9, 2016, for your reference. My review of your Account history indicates that three (3) $7.00 monthly service charges were assessed appropriately on June 9, July 12 and August 9, 2017, when none of the other available methods to have the fee waived were met.  It is PNC’s practice to refund any fee assessed as the result of a bank error, which did not occur in this instance.  PNC is sympathetic to your concerns.  Since you have closed your Account effective August 10, 2017, as a courtesy PNC mailed a Cashier’s check in the amount of $21.00 to your address of record.PNC takes allegations of employee wrongdoing seriously; therefore, we researched your assertion regarding your interaction with a representative via online chat.  Our review of the chat transcript determined that you instructed the representative to close your Account.  Additionally, there was no evidence to support your allegation that the representative was rude or disrespectful during this interaction.  Thank you for allowing me to clarify PNC’s position in this matter and for your feedback.  If you have any further questions regarding this issue, please feel free to contact me directly at [redacted].  I am available Monday through Friday from 8:00 am to 4:45 pm, Eastern Time.Sincerely,Stephanie B[redacted]Executive Client RelationsEnclosuresPNC Reference Number XXXXXXXXXXXX

2-14-17- JLH- PNC Bank N.A. responded directly to [redacted] [redacted] on February 14, 2017 and consider this matter addressed.

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.Upon logging into my personal message account with PNC, the response simply noted that "Ms. [redacted] Thank you for your inquiry Our records indicate that you have spoken with a representative after sending your email, and were advised that you do need to submit your request in writing to the address for FCRA. For further questions you may contact us at ###-###-####. Thank You, S.G[redacted] Default Production Control"A second email was sent in my response to them stating "Dear Ms. [redacted] Thank you for your email response. Your request has been escalated to our Complaint Escalation Team. This is not a request Customer service can complete. Thank you for the opportunity to be of service to you. If you have any further questions, please call one of our Customer Service Representatives at ###-###-####, or respond to this message."  Finally, when I called to get an address for the FCRA, I was again told this morning that I would need to send all documentation I may have to the FCRA division in [redacted] Ohio and that though my account shows Paid in Full on their side they would need to complete a thorough review of my entire history and determine if a credit bureau error was made on their part. While the representative I talked to did say it should be corrected from what she could see, she also said I need to officially send a written request with documentation.  More hoops to jump through after almost 8 years and I do not understand why it would take up to 30 days and they need more requests in writing when the problem has already been clearly documented here, on their secure message site and in their own files through various phone and written communications in the past.  I have wasted many hours over all this time and I am not sure what more I can provide at this point - they have the short sale documentation, the Revdex.com complaint, details on the credit report that is incorrect, copies of the 1099 they sent me showing their acquisition date of the home, etc.  This feels like more work to make me give up the effort.Regards,
[redacted]

Revdex.com:
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]

PNC Bank, N.A. responded to Mr. [redacted] on September 11, 2015, and considers this matter addressed.

PNC Bank, N.A. responded to [redacted] on September 30, 2016, and considers this matter addressed.

PNC Bank, N.A. responded to Mr [redacted] on 11-3-2015, and considers this matter addressed.

May 13, 2016 PNC Bank, N.A. responded to [redacted] on May 4, May 11 and May 12, 2016, and considers this matter addressed. Thank you,ACB

On Fri, Jan 15, 2016 at 2:37 PM, [redacted]> wrote:Good afternoon [redacted], PNC Bank, N.A. responded to Mr. [redacted] on December 8, 2015 and considers this matter addressed. The customer can contact me directly at ###-###-#### for any additional...

concerns. Thank you,Debra B[redacted] Executive Client Relations Officer  PNC Bank (p) ###-###-####  (f) ###-###-####

PNC Bank, N.A. responded to [redacted] on June 22, 2016, and considers this matter addressed.

February 7, 2017PNC Bank, N.A. responded to [redacted] on February 6 and 7, 2017, and considers this matter addressed.Thank you,ACB

PNC Bank, N.A. responded to Mr. [redacted] on January 30, 2017, and considers this matter addressed.

Revdex.com:
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.The response is useless because they will continue to do what ever they want. All I wanted was an answer from PNC when I called only to ask about my escrow. All I wanted was for them to explain to me how they got this shortage. And when I called and emailed they failed to get back to me. I had to call to see what is going on. And even when I called they couldn't explain to me the shortage. It had to take for me to file a complaint in order for them to answer. It's not about the money, it's about the principle of when a person has a question regarding anything to do with their mortgage they should respond within a timely manner. Their web sites states they are supposed to respond within 24 hrs which is totally not the case. They don't. And as you may see I have prior complaints regarding pnc because of the same situation.  
Regards,
[redacted]

PNC responded directly to [redacted] on January 9, 2016, and considers this matter addressed.

PNC Bank, N.A. responded to [redacted] on January 11, 2018, and considers this matter addressed.

PNC Bank, N.A. responded to [redacted] on February 16, 2017, and considers this matter addressed.

Revdex.com:
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 am not happy with the response that yes it is the branches fault and there is nothing we can do.  Again, more work for me having to go to the county court to resolve PNC's problem!!

Please see the attached signed Release Form.