PNC Financial Services Group, Inc.

PNC Bank has contacted the client and resolved the issue.  We consider this issue closed.

PNC has responded directly to the client and we have honored the request to refund the $36.00 fee.  Issue has been resolved.

Tell us why here...We reviewed excerpts from PNC’s Account Agreement for Personal Checking, Savings, and Money Market Accounts (“Account Agreement”) under the section titled Deposits, and PNC’s Consumer Funds Availability Policy to provide explanation to when his funds from a deposit are available....

We also provided a copy of the Consumer Schedule of Service Charges and Fees discloses that an incoming wire transfers will be assessed a fee of $15.00.

To Whom It May Concern,
On 4/28/2015, PNC notified Ms. [redacted] that the issue was resolved. 
** 4/28/15

Please feel free to call me at ###-###-#### if you need any more from me.
Thank You
[redacted]

To Whom It May Concern: PNC Bank, National Association (“PNC”) received the complaint for Ms. [redacted] on 12/23/14.  We have evaluated the information and mailed our response to the customer.  We do not have written authorization from Ms. [redacted] to respond to your office. ...

Should you have any questions, please feel free to contact me directly at ###-###-####. Thank You,[redacted], MSWOfficerExecutive Client RelationsPNC Bank

On Sun, Dec 28, 2014 at 12:14 PM, <[redacted]> wrote:PNC Responded to the customer on 12-23-2014.  Please update your records. [redacted]Assistant Vice PresidentExecutive Client Relations Enterprise Escalation Group[redacted]
[redacted]...

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[redacted]

We have contacted this customer and resolved his complaint.  The issue is resolved.[redacted]Executive Client Relations

On Wed, Feb 18, 2015 at 2:56 PM, <[redacted]> wrote:Good Afternoon Ms. [redacted], PNC has responded directly to the customer regarding her concerns.  Please feel free to contact me if you have any questions regarding this matter. Sincerely, [redacted]...

[redacted] Client Relations Manager Executive Client Relations

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 received by PNC further supports my original complaint.  I did request and agree to pay for the appraisal.  However, this was based on the contengent "lowest rate" (1/4 point decrease) if my home FMV met the 80% LTV.  No minimum loan amount was EVER discussed as a contengency of this "lowest rate", but rather only the 80% requirement.  Upon receipt of the appraisal I requested the loan to be dropped below the 80% threshold to meet the STATED requirement for the lowest rate.  This would $196,800, only $3,200 from the original $200k I indicated as my intended loan.  When I called and requested this decrease, I was rudely told that there was no available "lower rate" no matter my LTV (80%).  Had I been ever been told about a minimum loan amount, I would have not began the loan application process with PNC.  I was very clear from the start and have a strong financial background, so I pay attention to details relevant to the outcome.  Please have PNC provide proof that they provided this minimum $200k loan balance requirement for the "lowest rate" was provided during the loan application process, at any point prior to the appraisal payment.  Otherwise, I will gladly share my story with my friends, family, clients, colleagues and any others that bring up PNC, as I am sure they will be interested to know that one must be omniscient to properly apply for a loan with them.
Best regards,
[redacted]

This is in response to your inquiry dated September 16, 2014 regarding the above referenced borrower. As we do not have written authorization from the borrower to release information to you, we have sent our response directly to the borrower. Thank you for contacting PNC Mortgage. Sincerely, [redacted]...

[redacted] Consultant I Enterprise Escalation Group In support of Mortgage PNC 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.
Regards,
[redacted]

PNC Bank, National Association (“PNC”) received the complaint for Ms. [redacted] on December 22, 2014.  We have evaluated the information and mailed our response to the customer.  We do not have written authorization from Ms. [redacted] to respond to your office.  Should you have any...

questions, please feel free to contact me directly at ###-###-####. Thank You,[redacted]
[redacted], MSWOfficerExecutive 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. As your records show, PNC refused to answer my original complaint, and you closed the complaint in December noting that the company failed to reply in a  timely manner.  On January 5, the company decided it would finally respond both to the closed complaint and a complaint filed with the CFPB.  The statement that I was not qualified to receive the bonus because I applied before the offer was made is absolutely untrue,   It is true that the direct mailing piece I submitted was mailed to me AFTER the credit card account had been opened, What the company does not say is the original offer appeared on their website, and it required a spend of $1000 within 90 days, The mailed piece I submitted required only a $500 deposit and was a later offer, and NOT the original offer, Further, with our FICA scores, (myself and my wife as well) we do not need any additional credit cards, and were perfectly happy with our existing [redacted] and [redacted] cards,.  PNC solicited us via an email, not the other way around, and so we applied, For the bank to suggest we would apply for the card with no bonus offer is absurd, at best. If I had the time, I would get the PNC webmaster to track down the original web posting, I should note that right now, in 2015, the bank is still offering a bonus for new card applicants, of $150, not $100, with a $1000  spend,  Quite frankly, we can live without the 100 bonus, since we had combined deposit accounts in excess of 400,000 at the time we applied for the card, and if the bank wants to treat high net worth depositors by trying to wiggle out of paying the bonus, so be it,  I have closed my wife's credit card today, bonus or no bonus, and I am going to close mine shortly,. We will eventually close the deposit accounts  as well because PNC clearly does not want our business .  I can send you copies of all of the emails sent to and from PNC when we inquired about the missing bonus posting, and they would show that at NO TIME did any customer service agent state we were not eligible, These contacts go back to early October, That PNC would drag its feet and wait until Jan 5 of this year to make this ridiculous excuse is beyond belief, but it is just not worth it to pursue this further,  I am happy that your data base and that of the CFPB reflect these complaints, so that other consumers will think  twice,  I know that you have many other complaints about sales and advertising issues with this business, as does the CFPB.  so thanks again for your efforts, but it is time to move on .  Thanks again  Dr [redacted]

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.
No this is not right.  They call me in the middle of the day to discuss...

things over the phone when Im working. I started this complaint months ago and am now hearing back about it. I have no idea what is going on.  All I know is that PNC took 40 bucks out of my account and brought me in the negatives, and than they started charging me 7 dollars a day until I put the money in.  Now, I had no idea they did this, now Im paying 7 dollars a day extra on top of the 40 dollars they took out for whatever the original reason was. 
Regards,
[redacted]

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.I will need to receive my refund of $106 before the matter is settled. 
Regards,
[redacted]

Re: #[redacted] – [redacted] Dear Ms, [redacted] This letter is written in response to your correspondence regarding Ms. [redacted].  PNC Bank has mailed Ms. [redacted] a response letter addressing the concerns expressed in Revdex.com Case #[redacted], directly to the customer’s address of...

record with the bank.  The Revdex.com did not provide a signed authorization form with the Revdex.com Customer Complaint.   [redacted] Bank Officer Executive Client Relations

PNC was able to reach the customer directly to resolve this matter.  If you have additional questions, I can be reached at ###-###-####.  Thank you,[redacted]

PNC did not receive a signed authorization from Mr. Nave to release information to a third party. We have responded to Mr. [redacted] directly in writing as of February 27, 2015.  ASC 022715

As there is no Authorization to Release on file, we will be responding directly to the customer.