PNC Financial Services Group, Inc.

Tell us why here...We were told by [redacted], Branch Mngr of PNC Bank in [redacted] that she will set in motion to have every transaction looked at to see who stold my money.  She was going to request this be done starting in Sept of 2013 through of May of 2014.  She told us this will be...

done and will take a while because of all the work involved.  She told us this on June 6, 2014.  On June 6, 2014.  I cancelled my bank card so no more transactions could be made.  I told [redacted] at this time That on 2 occasions my hands were full so I handed my friend my debit card for them to take out some money at an ATM.  I was standing right beside him and never, never did I give my debit card to anyone and told them to take some money out with out me being there.    I was standing beside the person 2 different times.  I explained in detail to Ms [redacted] that I never, never gave my card to anyone to take out money without me being there.   On June 13, 2014 a letter was send to me stating that my PNC banking card and personal PIN number was used in the transactions in question and that I did not notify PNC bank that since I authorized another person to use my card I did not tell them that I revoked this privledge.  So because of this they are denying reimbursement.  I told Ms [redacted] again and again that I did not authorize another person to use my card other than those 2 times I was with them and was very clear to my friend he was never to use my card again.    I explained this again and again to Ms [redacted].  I did tell PNC bank that I revoked my friend using my card.  My dad [redacted], called PNC Bank  when we received the letter dated June 13 and filed a complaint stating that [redacted] revoked his friend from using his card and stated this on many occassions.  We are still at a standstill.  PNC Bank will not listen and my dad received another letter dated July 21, 2014 staing the same exact thing as above.  They are denying reimbursement because [redacted] did not notify PNC Bank that he revoked his authority for his friend.  We told them on the initial meeting and my dad also told them when he called to issue a formal complaint but PNC Bank keeps saying I did not tell them that I revoked to my friend and I did repeatedly..but they will not listen.  PNC Bank gave my dad a very hard time and would not listen to anything he said.  Both my parent's name is on my account.   Any help you can give me would be greatly appreciated.  The money stoled is around $30,000.   Thank you for any help.   [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.  Mr. [redacted] from PNC BANK contacted me and resolved the situation.Regards, [redacted]

To Whom It May Concern,
PNC Bank received the complaint for [redacted] . We have evaluated the information and spoke to a representative at the business and will be working with them directly. We do not have written authorization from [redacted] to respond to your office. Should you have any...

further questions, please feel free to contact me at ###-###-####.
Sincerely,
[redacted]
Executive Client Relations
PNC Bank

PNC Mortgage is in receipt of your inquiry dated October 28, 2014 sent to the Revdex.com (Revdex.com) regarding the referenced loan.
In your correspondence, you state your dissatisfaction with our October 24, 2014 response. Specifically, that we did not address your concerns that your loan is about eight years old, and we extended the maturity date to another 30-year term without your consent. You also state that when we modified your loan we added fees and interest, and because of this the loan amount was higher than when the loan was first originated.
We regret if our October 24, 2014 response (copy enclosed) was not clear. Our records show that the type of loan you have is through the U. S. Department of Veterans Affairs (VA) which had a 30-year term at the time it closed on August 17, 2010 with a fixed interest rate of 5% and a loan amount of $232,271.00.
As indicated in our October 24, 2014 response, our records show that we spoke with you on September 18, 2014 and verbally informed you of the terms of the loan modification. Our records do not show that we informed you that the maturity date would not change.
Based on the information you provided, your net monthly income was $[redacted] and monthly expenses were $[redacted]. The modified monthly payment amount of $1,449.98 is deemed an affordable payment by loan guidelines. At the time of the modification all past due payments and fees are added to the new unpaid principal balance, which is within VA guidelines. More specifically, at the time of the modification your loan was due for the October 2013 payment, and past due payments and fees are not forgiven, which is the reason the modified loan amount increased from the origination in August 2010. Additionally, according to the VA guidelines the term was extended to a 30-year term and there was no other option available at the time that your loan was modified.
We received the signed loan modification (copy enclosed) documents with an interest rate of 4.75% on October 1,2014. On October 8, 2014, our records show that we waived $296.55 in late charges and $156.00 in property inspections.
Also reflected in our October 24, 2014 response the loan modification documents were mailed to your residence in September 2014. PNC Mortgage received the properly signed documents in our office on October 1,2014. Your signature was witnessed by a notary; therefore we deemed the signature was valid and indicated your agreement to the terms of the modification. As a result the loan modification was completed with your knowledge and per your request.
Should you have any further questions or concerns regarding this matter, please call our Customer Service Help Desk at ###-###-####.

I had  three account s
with PNC  bank a money market account , a
credit line ,and  an interest checking
account where my  employer directly send
my p[paycheck to this account ending with [redacted]
In occasions where   I
was  short of funds to...

pay me expenses
from the  interest checking I had the
system setup  to transfer the funds
from  my money market account to my  interest checking account. The bank charges
me $10 per transaction.  Few months ago I
close the money market account and I asked the bank to provide me with overdraft
protection through my credit line.
Couple of months ago the I discovered that the bank charged
few fees each one was for $36 which added to couple of hindered dollar. I
called the bank and I asked them to explain what happened, they said that I did
not choose overdraft from my credit line, they said that I signed up for what
is called opt-in overdraft protection draft. At that time I thought was not
clear of what I informed the bank. so I did not argue with them and I asked
them to please change the overdraft protection to my  Credit line. The bank promised to do, so and
they did.
Last week , the same thing happened discovered that the bank
charged my Over Draft protection fees nineteen times each time was in the mount
of $36 , all happened between 9/23 and 9/30 . Apparently my check came in late again
and the bank did not use my credit line again to cover the cost. I called the
bank couple of days ago and they  said that
the credit line was  suspendered , this
is they chose to cover my charges using the Opt-in of overdraft protection, the
same option I asked the bank to remove for the second  time when  
they were told to use my credit line not the banks’ overdraft protection
 service
 So the bank charged
me $36 two to three times some time for buying a cup of coffee or a sandwich.
 Here are my issues:
1.      
The bank should have connected my overdraft to
my  credit  line first time I asked them
2.      
The bank should have removed the option of overdraft
protection( opt-in )option as I  requested
after I had my self covered using my 
credit line
3.      
The bank claims that they notified me of the
suspension of my credit line, which I never received any written of verbal
notification.
4.      
Even if my credit line was suspended the
overdraft protection service from the bank should have been removed over a
month ago.
5.      
The bank stands to make $10   per transaction every time they charge my
credit line, and they charge $36 per transaction every time their overdraft
protection service is used.
6.      
I am asking that all the charges to be resorted

Dear Ms. [redacted]We have been unable to contact the customer by telephone, however, the fees were waived as requested by the customer.Sincerely,[redacted]Executive Client Relations

To Whom It May
Per my detailed voicemail left for the client on October 8, 2014, I explained the following.  The client received a $72.00 credit on October 6, 2014 and a $72.00 credit on October 8, 2014, which is a total of $144.00.  The case is closed.
Respectfully,
[redacted]
Executive Client Relationship, AVP

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
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]

PNC has investigated the customer’s complaint. PNC requested additional information from the customer regarding the dispute, however, all of the requested information was not provided.  Therefore, based on the information available to us, the customer’s dispute was denied. As a courtesy,...

$127 in fees were refunded to the Customer.  The customer continued to use her Account after the filing of the Revdex.com complaint.  We attempted to contact the customer in order to confirm her request for Account closure, however, we were unable to reach her.  Therefore, the Account remains open at this time until we receive further communication from the customer.

To Whom It May Concern,
PNC Bank received the complaint for Ms. [redacted] on October 16, 2014. We have evaluated the information and spoke to client to address her concerns. We do not have written authorization from Ms. [redacted] to respond to your office. Should you have any further...

questions, please feel free to contact me at ###-###-####.
Sincerely,
[redacted]
Executive Client Relations
PNC Bank

PNC has woeked directly with the customer for resolution of this issue.

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.This was in fact a bank error, no matter the amount of double talk they provided in a letter in response to the complaint I made to Consumer Protection Agency.  They did agree in the letter to reimburse me for the late fees and interest charges that I incurred  due to the late creditor payments.I find it abhorrent that I was forced to expend the kind of time, effort and energy to pursue satisfaction of this matter; it should have been rectified immediately upon occurrence of the mistake by PNC Bank in a manner other than having to go through a slew of out of country responders whose job it is to say NO whatever the issue.  Regards,[redacted]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution will be...

satisfactory to me as long as the credit is indeed made "final" as they said.  My bank statement indicates that the credit is currently only "provisional," so I won't know for some time whether the credit will be final.  If it indeed becomes "final," then I will accept that.
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.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]

March 16, 2015I spoke with the customer on March 13, 2015 and reviewed the account’s transaction and overdraft history with her. I explained to the customer the features of Overdraft Coverage as well as how items post to her Account. Provided a courtesy refund in the amount of $180.00. The customer...

was satisfied with our resolution and needed no further assistance.Thank you,[redacted]

PNC responded to Mr. [redacted] regarding the outcome of his dispute on April 8, 2015 and considers this matter addressed. Thank you.[redacted]Executive Client Relations

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.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Mr [redacted] contacted me on Oct 10th and left a voicemail saying that he located the "deposit". I subsequently called him on Tuesday oct 14th and hye said he said he took care of everything and it will be resolved - because of the bank holiday - by the 15th at the latest.
Today is Friday, Oct 17th. Mr [redacted] does not pick up the phone or returns my voicemail
Again: PNC illegally cashed my check over nearly 2000 USD on Sept 12th ( 5 weeks ago ). It was written out to my nortgage company [redacted] and PNC does not hold an account with that name. Specificall
the lockbox it was cashed to was not in the name of [redacted]. In the last 5 weeks I have spent 100 USD in postage, notary fees and other fees and roughly 10 hours on the phone. 
At this point I dont understand why PNC does not apologize , reimburse me and send the funds back ASAP. If this does not happen by next week, I will consider additional steps.
And yes - I do authorize to discuss this matter with the Revdex.com.
Regards,
[redacted]

Whom It May Concern, PNC Bank received the complaint for Mr. [redacted] on March 9, 2015. We have evaluated the information and spoke to client to address his concerns. We do not have written authorization from Mr. [redacted] to respond to your office. Should you have any further questions,...

please feel free to contact me at ###-###-####.Sincerely, [redacted]Executive Client RelationsPNC Bank

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.They claim they sent a letter that resolved the issue, yet, according to their customer service reps, this account shows active foreclosure rather than property redeemed case closed. How much more information do they need before they close the account? I'm sure you have received all the paperwork before but I will submit again.
Regards,
[redacted]

PNC Bank received the complaint for Mr. [redacted] on November 03, 2014. We have evaluated the information and spoke to client to address his concerns. We do not have written authorization from Mr. [redacted] to respond to your office. Should you have any further questions, please feel free to contact...

me at ###-###-####.
Sincerely,
[redacted]
Executive Client Relations
PNC Bank