PNC Financial Services Group, Inc.

PNC has resolved this customer's concernThe fees have been refunded and the Account has been closedASC

April 29, 2015Dear Ms***,On April 1, 2015, PNC accommodated the customer's request. The issue is resolved and closed.Sincerely,*** ***OfficerExecutive Client Relations

To Whom It May Concern, PNC Bank received the complaint for Ms*** on February 13, We have evaluated the information and spoke to client to address her concernsWe do not have written authorization from Ms*** to respond to your officeShould you have any further questions,
please feel free to contact me at ###-###-####.Sincerely, *** ***Executive Client RelationsPNC Bank

To Whom It may Concern,PNC Bank received the complaint for Mr*** on January 12, We have evaluated the information and mailed the response to clientWe do not have written authorization from Mr*** to respond to your office. Should you have any further questions, please
feel free to contact me at ###-###-###**.Sincerely, *** ***Executive Client RelationsPNC Bank

November 19,
Dear Mr***,
Please allow me to respond to your complaint filed on October 22, 2014, with the Revdex.com of Western Pennsylvania (“Revdex.com”) regarding overdraft protection, funds availability, and Overdraft Item Fees assessed to the Spend Account ending in
*** (“Spend”) and Reserve Account ending in *** (“Reserve”) of your PNC Bank, National Association (“PNC”) Virtual WalletI appreciate the opportunity to address your concerns
In determining whether you have sufficient funds in your account to pay checks and other withdrawal items, PNC’s general practice is to consider all pending electronic transactions (including, but not limited to, point-of-sale transactions) for which PNC has received notice, even if those transactions have not yet posted to your accountPending transactions immediately impact the balance used to pay items presented for payment during nightly processingWe receive transaction information from merchants and other sources throughout the business dayAlthough pending transactions are reflected in your available balance, Overdraft Item Fees are only assessed on the posted items presented to your account against uncollected or non-sufficient funds
PNC’s general practice is to post items according to the date and time they were authorized or when PNC received notice of the transactionDetails of our policy are disclosed in the Withdrawing Money section of our Virtual Wallet Fine Print (“Account Agreement”)For your reference, additional copies of the Account Agreement and our Virtual Wallet Features and Fees are being sent to you under separate coverPursuant to PNC’s Consumer Funds Availability Policy, which can be found in the Account Agreement under the section titled Determining Availability of a Deposit, “If you make a deposit through one of our branch tellers, ATM, mobile device, remote deposit scanner or by mail before our cut-off time, we will consider that day to be the day of your depositHowever, if you make a deposit after our cut-off time or on a day that is not a business day, we will consider the deposit as being made on the next business day that we are openAdditionally, as detailed under the Initial $of Your Deposit section, “The initial $of any deposit will be available on the evening of your deposit to pay checks or items that are presented to us that evening for postingThe balance of the $100.00, if any, will be available on the first business day after the business day of your deposit for all purposesThe remaining balance of your total deposit will be available according to the availability provisions for such deposits as otherwise stated in this policy
The beginning balance in your Spend Account on September 29, 2014, was $A PNC ATM check deposit in the amount of $was made that day, of which, $was made available to pay items presented for paymentAdditionally, a Non-PNC ATM Surcharge Reimbursement of $posted, bringing your total available balance to $to pay items presentedPNC received transactions totaling $421.17, overdrawing your Spend Account by $-Subsequently, two (2) Overdraft Item Fees totaling $were assessed to your Spend Account related to ACH payments made to *** in the amount of $and *** *** in the amount of $
The beginning balance in your Reserve Account on October 17, 2014, was $On October 17, 2014, a *** transfer from *** posted in the amount of $8.55, overdrawing your Reserve Account by -$Subsequently, an Overdraft Item Fee in the amount of $was assessed to your Reserve Account on October 20, On October 20, 2014, a *** transfer in the amount of $posted to your Reserve Account with an overdrawn balanceThat item was returned and a $Returned Item (nsf) Fee was assessed
As disclosed in PNC’s Virtual Wallet Features and Fees, within the Overdraft Services Section, there is a $per day Continuous Overdraft Fee assessed each day the account remains overdrawn for or more calendar days, up to a maximum of $This fee is in addition to any other fees assessed for the overdraft
My review of your Virtual Wallet history confirms that Overdraft Item Fees, Returned Item (nsf) Fees and Continuous Overdraft Fees were appropriately assessed, as disclosed in the notices sent to your address of recordIt is PNC’s practice to refund any fee assessed as the result of a proven bank errorAs no bank error occurred, PNC respectfully declines your request for refunds
Your PNC Virtual Wallet includes Overdraft ProtectionIf you overdraw your Spend account, (the “protected account”), we will transfer money from your Reserve, Growth or other designated PNC account (the “protecting accounts”) to cover the transactions creating the overdraftFor more information, please refer to the section entitled “Overdraft Protection Agreement” within the Account Agreement
PNC Alerts, which in addition to keeping your account register up to date, recording purchases as they are made, and maintaining a positive account balance, may help to effectively manage the account and avoid the assessment of fees
Enclosed for your records are copies of the following:
• Overdraft Notices dated September 30, October 20, and October 21,
• Virtual Wallet Spend Account Statement dated October 9,
• Virtual Wallet Reserve Account Statement dated November 10,
I attempted to contact you by telephone on October and 31,2014, and by email on October 31,2014, but was unsuccessful in reaching youOn behalf of PNC, I appreciate the opportunity to clarify our positionI welcome the opportunity to further discuss your Virtual Wallet with youPlease call me toll free at ###-###-####, extension ***, which is also my direct telephone numberI am available Monday through Friday from 8:AM to 4:PM, Eastern Standard Time
Sincerely,
*** ***
*** *** Officer
Executive Client Relations PNC Bank
Enclosures

I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
As of 11/16/14, I have not heard from PNC Bank, and would give them
permission to correspond with Revdex.com
Regards,
*** ***

This letter concerns your November 26, inquiry to PNC Bank Executive Client Relations regarding the referenced borrowerAccording to our records, the referenced borrower has not authorized you on the loanIn order to release loan information to you, we require that the borrower provide a
signed and dated authorization to usPlease accept this letter as confirmation that we have responded directly to the borrower regarding the concerns raised in the referenced Revdex.com caseShould you have any further questions or concerns regarding this matter, please contact our Customer Service Help Desk at ###-###-####Sincerely, *** *** Consultant Enterprise Escalation Group In Support of Mortgage PNC Bank

Tell us why here...PNC responded to the customer concerns and provided a copy of his signed contractA contact name and number was provided to him regarding the purchase of the leased equipment.Thank you,*** *** Executive Client Relations

PNC RECEIVED THIS COMPLAINT FROM THE LOS ANGELES Revdex.com IN 2013. WE RESPONDED TO THE BORROWER ON 6-12-2013. PNC WILL SEND THE BORROWER A RESPONSE FOR THIS COMPLAINT - IT WAS IDENTICAL TO THE COMPLAINT FROM 2013. NO AUTHORIZATION ON FILE. *** *** **

March 27, 2015PNC has spoken with Mr*** regarding the details of his correspondence and consider the matter to be addressed.Warm regards,*** ***

On April 8, 2015, I spoke with the customer and he confirmed that his issue was resolved and he needed no further assistance
*** *** 4-8-

From: *** *** ***Date: Thu, Feb 19, at 5:PMSubject: Re: You have a new message from the Revdex.com serving Western Pennsylvania regarding complaint #***To: ***The woman from PNC left a message & I returned her callI don't havemy records handy, right now, asked me some questions & answered someof mine & the last thing that she told me is that she would get backwith me but that never happenedThat was about 3wksago but I reallydon't care as long as they don't send me any more mailings & harassme.*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID
10370554, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
I was unaware I needed further action until I found an email recentlyIs there anyway to reopen the case so that I can submit the appropriate financial release form to the financial institution for further investigation
Regards,

there is no signed authorization to release informationPNC has responded directly to the customer's concern*** ***

PNC has sent the client a response by mail. No release was provided

We also received a complaint filed through a regulatory agency and will respond to the customer and the regulatory agency regarding this issueIf you have any additional questions, please contact me at ###-###-####

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
I did not talk to anyone from PNC bank regarding the issue we had with the merchant account and equipment till two days ago , when I was told that PNC WON'T DO ANYTHING TO RESOLVE THE ISSUE.Furthermore I was charged additional $of early cancellation fees for years aheadBut in my contract I had an amendment that gave me the option to cancel within the first yearThat was not honored as well by the bankAt the end I am behind over $in fees and a pretty disappointed by my bank that I have dealt with and trusted for over yearsThere will be further legal actions coming up and I will definitely get some of my friends in the media involved in all that as well.Customers of that bank should be aware of the bad practices and services are being offered by employees of PNCI will be closing my business account with them ASAP!!!
Regards,
*** *** ***

We advised the consumer in our response that the loan is current, and no fees or costs were charged to her account as a result of the errorSince the customer advised that the credit bureaus have not yet adjusted their reports to show that payments were made timely, PNC submitted an additional request that the bureaus remove any delinquency reported from September through August

February 2, 2015 Good morning, we have been in contact with the customer and have provided resolution to the complaintThank you,*** ***

3-27-- JLH - We have completed clients request and accounts are set up. Client advised