PNC Financial Services Group, Inc.

Review: I've been a pnc customer for over 30 years, yesterday in the mail I receive 3 letters for each account I have with them stating effective may 9ths my accts will be closed without an explanation. I really feel this is in error, however when I call no explanation is given only that they have the right not to do business with me..After over 30 years of being a loyal customer I feel an explanation is warrented. I don't overdraft my accts and always keep decent balance so for me to get those letters with no explanation its a little devastating.Desired Settlement: I would like an explanation of why my account is being closed

Business

Response:

PNC Bank, N.A. responded to [redacted] on May 3, 2016, and considers this matter addressed. – DMB 5/3/2016

Consumer

Response:

I feel discriminated against, I think I at least deserve an explanation of why my accounts were closed I understand they have the right to do business with whom they chose, but to close my accounts with no explanation its unacceptable. I've been a loyal customer for over 20 years and for it to end this way is disturbing

Business

Response:

PNC has responded to the customer on June 27, 2016 in writing and considers this matter resolved. Thank you [redacted] Jeanette [redacted]

Bank Officer Executive Client Relations PNC Bank

Business

Response:

7-12-16 Because the customer has provided us with no new information, PNC's response to this complaint remains the same as our previous response. We consider the matter addressed. We spoke to the customer in May of 2016

Review: I have banked with PNC for about three years now. I have been charged over draft fees since day one of banking with them, and in the past year totaling fee of ~ $700. Fees, in the amount of $36 and $7, and transactions reversed have been applied to my account before their stated policy of having a deposit to your account before 12 midnight. I have had several times where a bill was reversed before 3pm CST and a $36 reversal fee added to my account, when in that same night before 10pm I had deposits to cover my transactions. Each time I contacted the branch, I was told once a decision was made, no matter the time, the transactions will be reversed even if a deposit comes in later on the same day. This can be heard through recorded phone calls from me to the bank. Today my card was deactivated when my account had a positive balance, but my savings had a negative balance. WhenI called the bank I was told my card would be reactivated after the savings balance was brought current even though I had a positive balance in my checking. Now I have no to access to funds that are present. I get approximately 1-2 deposits per week into my account that will cover all transactions that are made. However, The fees are ridiculous, and a rip off and a way to collect money from bankers. There has NEVER been a curtesy reversal of any fee. I have applied for credit, since I bank with to prevent such fees, as well as tried to use the opt in options they have to cover fees. However, I was told that I abused this feature and couldn't be allowed to have it. However, every since I had my account I never had this feature. I would be fine with the fees if my bills were covered when deducted from my account, but PNC would reverse the transaction and then charge me the $36 fee causing to be short $36 of my bill money, due to the deposits hitting my account before midnight.Desired Settlement: I am requesting a refund of ALL my $36 fees, as well as payments for the bills that were reversed, that could have been paid, before midnight when my deposits hit my account.

Business

Response:

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

Business

Response:

PNC Bank, N.A. responded to Candace Murphy on September 27, 2016, and considers this matter addressed.

Consumer

Response:

Review: I have had an account with PNC bank for 4 years and I have always made sure to opt out of their service to cover transactions that overdraw the account and would instead simply deny them. With that belief, I had some Paypal purchases that accidentally went to this account, that were designated to be transferred to a different account if denied. Well, they were accepted by PNC and now I have hundreds of dollars in fees that, to my understanding of the written explanation of how my account would deny transactions, should not have happened. I have spoken with as many people as they would allow me to with no offer of a solution, Richard [redacted] being the financial manager and quite frankly, the less helpful of the two. I understand that I am responsible for the purchases and in the future I will prevent this from happening but I believe that they were not clear enough as I made sure to read the terms of the service before putting my trust into it and will be more careful in the future now that I know what is technically not qualified to be included.Desired Settlement: I desire the fees to be refunded due to their explanation of how the service would work being insufficient

Business

Response:

May 11, 2016Dear Ms. [redacted],PNC Bank, N.A. responded to Ms. [redacted] on May 11, 2016, and considers this matter addressed. Sincerely,Lisa M[redacted]Executive Client Relations

Review: I had charges on my account. I called into customer service to verify these charges. The rep said she wasn't sure of what these charges were. I told her I will call my local branch, they have always been helpful. I called the branch, the rep I spoke to said one moment I will get you to a consultant. I was cold transferred to number that was disconnected. I called back and asked to speak to a manager. I spoke to Jennifer G[redacted], she stated she was the branch manger. I explained I am looking into charges on my account. She stated to come into the branch and we can discuss. I advised her I am out of town and cannot make it in. These charges are concerning and would like to verify if they are legitimate charges. She huffed and said one moment, put me on hold. She came back on the line minutes later and said she is now at a computer. She asked me for my debit card number and did not verify anything else. I found this very concerning as to what if someone picked up my card and called in stating they were me? There should be more verification other than pulling up my account with my debit card number.

She had my account pulled up, saw the charges, she explained what they were. I asked her if they can be credited due to I did not agree of the charges. She then proceeded to say "If you had enough money you wouldn't have to worry about these charges". I was shocked by what she just said to me. I asked her why should she be concerned of how much I have in my account and I hope the phone call is recorded by PNC. She proceeded to say "mam no that is illegal, you should know that" Then she said "don't threaten me". I asked her what? How am I being threatening? She said "do not concern yourself with that". I asked to speak with her manager, she said they were not available and she was filling a formal complaint against me. I asked to speak with someone else. She said "no one is going to credit these back to you and you need to worry about your funds then getting me to credit these". I ended the call. I called customer service right away as I was very concerned how I was being treated and how my account was being verified. The reps I spoke to where very helpful. They explained this is not a practice of PNC to treat customers this way. They were going to get me in touch with the escalation department. I then received a phone call from Jennifer G[redacted], she started to harass me as soon as I said hello. She said "I logged a complaint, and you won't get the credits, there are a slew of comments about you in your account". I explained to please not call me and I am hanging up the phone. she said "don't hang up on me" and started saying something else but I hung up. She called again and I hung up right away when I knew it was her. I called back into PNC customer service to see how I can get her to stop calling me. They stated to log the calls and she was also filing a complaint for to PNC escalation dept.Desired Settlement: I felt I was treated the worst by Jennifer G[redacted] then I have been by anyone. I didn't feel I should have to explain to her why my funds were not to her satisfaction. I also feel that I should know how I was threatening, I never threatened her. She should not make such accusations to a customer. I think the lines in branches should be recorded by PNC for this exact purpose. I feel like her calling me she was harassing me as to there was no business purpose of her call other than she was harassing me. The outcome I would like is to be comfortable going/calling into the PNC branch if I ever need to. I feel as of right now I want to pull my account and go to another company due to the treatment and lack of verification I received and I do not feel comfortable doing business with PNC.

Consumer

Response:

Review: I received a overdraft fee of 36 dollars and when I looked at my bank statement I never had a negative balance. I then called the bank to get the fee back and I was told that it was a legitimate fee./ I then told the representative that according to my bank statement I was never overdrawn but she told me based on her computer system that I was. I think that if my statement that I receive from them in black and white stated that I wasn't overdrawn I don't think that they had any grounds of charging a fee.Desired Settlement: I want my 36 dollar overdraft fee returned

Business

Response:

PNC Bank, N.A. responded to [redacted] on 4/21/2016, and considers this matter addressed.

Review: On September 22, PNC charged me a $12 returned item fee for a check that someone else wrote to me and I simply deposited. It's NOT MY FAULT the individual didn't have sufficient funds in their account. Why should I be penalized? I don't care about PNC's policies. A bounced check another party is responsible for is not my problem. How could I have known they didn't have the money in their account for a check THEY WROTE ME from their account? I was also told at the time that check was returned by PNC that I would NOT be charged any fees because it wasn't my fault. Apparently, that was a [redacted] lie.Desired Settlement: I want my $12 refunded. A person writing me a check that bounces is NOT MY FAULT. I don't have any insight into the monetary amount that is in other folks' bank accounts, and this information cannot be verified, as banks only give the customer information about their specific accounts. They will not provide that to an outside customer. I want a refund. This is a ridiculous practice.

Business

Response:

October 18, 2016PNC Bank, N.A. responded to [redacted] on October 18, 2016, and considers this matter addressed.Thank you,ACB

Consumer

Response:

[

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 was refunded my money per my request.

Review: PNC Charged me overdraft fees when they were no warranted. My account was positive and they caused the account to go negative before transactions posted and then charged my account even though I had the money in my savings account. Their system would not let me attach my savings account to overdraft and then they arbitrarily charge overdrafts. Their email warning system sends emails when it is too late, not giving a customer a chance to respond quick enough. Their overdrafts are out of control and PNC should be investigated.Desired Settlement: Refund of the three most recent overdrafts

Business

Response:

August 9, 2016- PNC Bank, N.A. responded to [redacted] on August 9, 2016 and considers this matter addressed. Thank you, MJ

I opened a disputed charge (fraud) back on May. It is now Aug 18th and not only has the credit been reversed due to lack of information, but has to be re opened. I was at the branch in July to talk to a 'specialist" who assured me it was being taken care of. Weeks later, no credit back, no paperwork. I call to find it has been cancelled. again. The caseworker, Miss [redacted], who doesn't even work at PNC advised me she closed it, and in short fraud isn't her job, call someone else. Call PNC support supervisor, who tells me well its going back to dispute, same lady likely who I just talked to saying its not her job, and here we go again. The customer support at PNC is not only incompetent but VERY un willing to understand situations like this. I plan on closing my account shortly. Worst service ever.

Review: I have been a PNC customer for over seven years now and I am completely unhappy with the issue that I have ran into with this company. I had a credit card payment (my credit card is a PNC visa card) due that was withdrawn from my PNC account. Instead of taking out the payment once, it took out the payment twice. The only answer I received regarding this issue was that there must have been a "glitch" in the system and that it would take 7-10 days for the reversal process to occur. This is completely unacceptable as it was not a mistake on my end but on PNC's end. It should not take 7-10 days for me to receive my own money back. Since this issue has occurred, I am now having to worry about my credit being hit because I have automatic payments due this week that I will not be able to make because there is not enough money in my account. I am also in the process of refinancing and will have to explain where a large amount of money being deposited is coming from. When in all reality, its my own money that PNC is withholding to do "research." The only answer I got regarding this huge issue was that I should try and work with my mortgage company, auto company, etc regarding a late payment. As a customer, I have never made a late payment with my PNC credit card let alone my mortgage, auto, or any bills, etc. It is simply not okay for me as a customer to have to deal with this.Desired Settlement: I think that PNC has the responsibility to expedite the process. It should not take 7-10 days for me to receive the money back that was withdrawn from my account because of a "glitch." It has put me into a tough situation as a customer because I am now concerned with many issues with not having enough money in my account. Mainly the issue of not being able to pay my bills on time (especially my mortgage payment) which I never have made a late payment on. I would like to see this resolved as soon as possible as my bills are due this week and it has been 4 days since I contacted PNC regarding this issue and would need the money in my account within the next 24-48 hours to avoid late payments and my credit being hit.

Thank you.

Business

Response:

7-6-16PNC Bank, N.A. responded to [redacted] on 7-6-16, and considers this matter addressed. RM

Review: Filed disputes about experian credit service. These were supposedly free but I was charged two times for $29.95.

I contacted and experian and they promised to cancel these charges(email in my possession) but did not.

Filed dispute with PNC in above matter but bank has not responded.Desired Settlement: I want PNC to credit me for the two $29.95 charges and any related overdraft fees.

Also, I would like an apology for the time spent unnecessarily in this matter.

Business

Response:

June 22, 2016Dear Ms. [redacted]PNC Bank, N.A. responded to Mr. [redacted] on June 21, 2016, and considers this matter addressed. Sincerely,Lisa M[redacted]Executive Client Relations

Review: I have had an account with PNC for a few years. They were an amazing bank I thought to myself wow I havent had a bank like this in years. A few months ago I started seeing charges that I did not make on my account! OF COURSE I disputed the charges seeing that you know I DIDNT MAKE THEM! Everything was fine and dandy I disputed the transactions and received the credit, whatever. Then I received a letter from them in the mail stating that they are reversing the credit and that my account is now negative 1,575!!!! I have proof of a police report and EVERYTHING. I could not believe I am being charged for purchases I did not authorize! Now I wake up this morning to my other account negative and some NSF fee attached to my account! I haven''t even paid with a check! So how do I have a NSF on my account?! So now that account is negative 145.00!!!!!!!! This bank will rob you blind! I am so upset that this is happening to me and the bank is not helping me in the least bit except for charging me OD Fees!!! Someone please help me.Desired Settlement: I would love for my accounts to be in the positive. I have been a loyal customer to your bank and I don't believe I have been treated fairly.

Business

Response:

To Whom It May Concern:PNC Bank, N.A. responded to [redacted] on June 16, 2016, and considers this matter addressed.Sincerely, Andrea C[redacted]Bank OfficerExecutive Client Relations

Review: I have 2 checking accounts through pnc. I only have checks for my one account that I do not use and no longer have a debit card for. I handle everything through my other account. I had to use a check for the first time in over a year so I transferred over money to cover the check. I haven't received a monthly subscription for [redacted] in over a year because they don't charge me or send me anything. To my surprise they must of been notified that I had money in my account and decided to charge and send me a bag this month. The check had cleared before they decided to withdraw $10. I never receive anything from them and they are never allowed to withdraw $10 when my account is normally at $0 ( which it has been for months) I do not check this account regularly because I do not use it! If I had seen -$10, mail, or email stating I was overdrafted I would have transferred money to that account ASAP to avoid fees. I called the bank when I saw a -$70 charge on my account explained the situation to them on my birthday (May 10th) and told them I would gladly pay the $10 and the $36 overdraft fee if they could deduct the extra charges as I did not see them accumulating! Both of my accounts are linked and they could easily see I only use one account for transactions and had money to cover the -$10 so why would I just let it sit there and rack up a bill? She took down my info and informed me that I would recieve a call in the next 24 hours. It took 48 to get a call and it was in the middle of my work day so I was unable to answer. I sent them an email with my work schedule and then the next response I got was today on the 16th of May. My account is -$114 by now! I was told that there is nothing I could do I needed to put the money in the account or I would continue to recieve overdraft fees! Ive been a loyal pnc costumer for over 7 years and I am having a hard time staying on top of my bills being pregnant unable to work as much and my fiancé loosing his job due to a newly diagnosed mental illness! The last thing I need is to be charged an extra $150 from a $10 credit! There is no way I would have let my account get that negative if I had seen or been aware of the negative balance! But at over $100 now there is no way I can swing it with bills this week! The lady on the phone was very cold and barely answering me. She told me to borrow the money from a family member! If pnc likes taking money from people that desperately need it then I will take my business elsewhere! I feel very upset that no one took the time to care about my situation and I feel that I am drowning in this when I didn't even want the ipsy bag to begin with I would gladly send it back if I could get away from all this!!!! Pnc can easily see I haven't used my overdrafted account in months besides for the check! Why can't they understand I just didn't see the bill racking up, why did they not send me a letter in the mail like they do for my other account! Why is this able to get so out of control?Desired Settlement: I would like to be able to pay back the $10 and $36 one time over draft fee! I can not fathom sending them over $100 for something so small and petty when I have more bills then money and a baby on the way! I don't even see how they let the $10 charge go through when they never do any other month!!

Business

Response:

To Whom It May Concern:PNC Bank, N.A. responded to [redacted] on May 19, 2016, and considers this matter addressed.Sincerely, Andrea C[redacted] Executive Client Relations PNC Bank

Review: I preordered a product in September that never arrived and have had trouble obtaining a refund from the company. I filed a dispute several months later and the representative provided a temporary credit. I contacted the rep in charge of my case almost two months later and left a voice mail, to which she never responded despite indicating that there she would respond within 24 hours. I received a letter today stating that PNC was not able to substantiate my claim. I contacted PNC and they said I was not eligible to dispute past 60 days and would need to deal with the company directly (who have not maintained communication for a product they did not send me). Why did the original representative not share that I was not eligible for a dispute? This would have saved me hours of research and correspondence. Why did the rep in charge of my case neglect to return my call? This was extremely discourteous. This is not the type of business that I want to continue to bank with.Desired Settlement: I would like my $269.00 refunded for the simple reason of wasting nearly two months of my time on a process that should have been shut down from the start.

Business

Response:

Good Afternoon, PNC spoke to Mr. [redacted] on May 6, 2016 and considers this matter to be addressed. Lauren R[redacted]Executive Client Relations

Consumer

Response:

Review: I signed a refinace agreement with PNC Bank and after I provided all the required documents and almost a month passed,after they charged me $500.00 for appraisal they informed me they were raising my interest rate, and I declined to refinance. PNC should reimburse me the appraisal fee,since PNC didn't keep thier end of the agreement. After going through a number of people my last contact was Amy T[redacted] escalation lead, officer ([redacted]) whom I have been waiting to get back to me with a resolution.Desired Settlement: Refund of appraisal fee for $500:00.

Business

Response:

PNC Bank, N.A. responded to [redacted] on May 26, 2016, and considers this matter addressed

Consumer

Response:

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

Review: On May 2 of this year, I called PNC mortgage to speak with a representative about the requirements necessary for updating the property value of my home. My husband and I were in the process of obtaining a home equity line through PNC bank since this bank currently holds our mortgage. While we were eligible to receive the equity line through other lenders, we figured it would be mutually beneficial for us to go through PNC. Our one concern was whether or not our appraisal would count toward updating the property value of our home. We were told several times that an appraisal from another bank would not count, so we decided to go with PNC. Before signing the documents for the HELOC, I made sure to speak with a representative to confirm our appraisal would count toward updating our property value. We were also hoping it would be high enough to remove our PMI. Either way, we wanted to make sure our property value would be properly updated in order to remove our PMI as soon as possible, even if we weren't eligible at this time. I spoke with Devona at 3 p.m. on May 2 to ask about using the appraisal. She checked with a supervisor and told me, as long as we received a full appraisal during the HELOC application process, we would be able to apply the appraisal amount to our property if the request was made within 120 days of the appraisal. We had, in fact, completed a full appraisal. We immediately faxed the documents to the bank and closed on our HELOC that week. This loan was officially established on May 9. We have since been told the appraisal will not count toward updating the current appraised value of our home.

On June 10, I contacted PNC once more to speak with a supervisor. My husband and I spoke to two representatives; both told us no supervisor was available. When speaking with a woman named Christina, I asked why the appraisal didn't count toward my property value. She seemed to be looking up something or talking to someone, and told me it didn't count because it wasn't a full appraisal with pictures. When I told her it was, she clearly backtracked. She then retracted her statement and said she would escalate my request to speak with a supervisor. I was told someone would contact me by Monday, June 13. Someone named Jean B[redacted] left me a message around 5 p.m. on June 13. Jean did not leave an extension, nor did she spell her last name, and I have not been able to find her through the PNC dial-in directory. I received another letter from PNC stating I would need to prove my property was worth at least $435,490 in order to have the LTV reduced to 75% and have my PMI removed. My house was appraised at $425,000. The closing statement from the purchase of our house, which said we were eligible to have our PMI removed at 80% LTV. It says nothing about needing a 75% LTV if requesting removal of PMI before it reaches that, nor does it state that the LTV is calculated based on the original appraised value or purchase price, whichever is lower. We were misled by representatives of PNC who confirmed something for us that was not true. We are also being told that our LTV is to be calculated with the current principal balance divided by the purchase price or original appraised value. At the same time, we are being solicited for $500 for a new appraisal, which, presumably, the bank would use to recalculate our LTV. If I paid the $500 for a separate appraisal, my appraisal would have been taken into account. Since I didn't, I'm being told it's not eligible. On Tuesday, June 14, Leigha Ledford emailed me from PNC's Executive Client Relations Department. In her email, she told us our concern was forwarded to Erika H[redacted] for review, and to reach out to her with my phone number in order for her to contact me. I emailed Erika later that afternoon, and advised we would be filing a complaint if we hadn't heard back by week's end, which we didn't.Desired Settlement: I would like my property value to be updated to reflect the current appraised value of $425,000. I would also like this current value to be used in all future calculations of my LTV in order to count toward the removal of my PMI.

Business

Response:

PNC Bank, N.A. contacted the customer on June 14, 2016 and was unsuccessful. Please have the customer contact Erika H[redacted] directly at ###-###-####, ext. ###-###-#### for assistance.

Review: I called PNC earlier today to get information about why my account was in the negative, after the representative explained to me the issue I let her know that the account would be made positive this upcoming Friday. I then asked her could I call in Friday to see what could be done about fee reversal and she told me that she refunded 34 dollars. I explained to her that I didn't want her to reverse the fee yet until my account was in the positive because if I don't have the money to put my account in the black yet it would do me no good. She tells me that there is nothing that she can do and makes me sit on hold for 30 min while I wait for a manager who was at best aloof and unconcerned . I told them that all I called for was information not to get the fees reversed and to not make any changes on my account with out asking me first .Desired Settlement: After my account is made positive I want my fees looked at again. I know banks typically only offer one fee reversal but since the representative took it upon herself to do what she wanted and not ask me I request a special favor this time.

Business

Response:

7-14-16 JME PNC Bank, N.A. responded to [redacted] on July 14, 2016 and considers this matter addressed

Review: I have been with PNC bank for over five years. I started with another company that PNC acquired so if you count that time it's been will over five years.

I called in because of the resent overdraft charges. Normally when I have overdrafts I just pay them and never call. But this time I called because I really couldn't afford the overdrafts that I was assessed. The rep gave me a credit of 56.00 but the entire amount was 106.00. You have made plenty of money off of this account and I was disappointed that the entire amount was not removed. What separates you from your competition is great customer service. I don't want to end our relationship over this.Desired Settlement: I want the entire amount credit back to me just this one time.

Business

Response:

“PNC Bank, N.A. responded to Mr [redacted] on 6-1-2016, and considers this matter addressed.Deborah S[redacted]Executive Client Relations Quality Analyst

Review: I was charged a late fee to my credit card, however my payment was not late. My payment was in fact more than the minimum due, and 28 days prior to the due date. I spoke with three different employees on the phone, no one would refund the fee although all acknowledged that it was not late, but rather early.Desired Settlement: My faith has been lost and I do not trust PNC with my money. By charging a late fee when the payment was not late, I feel as if unethical activity occurred.

Business

Response:

June 6, 2016Dear Ms. [redacted]PNC Bank, N.A. responded to Ms. [redacted] on June 6, 2016, and considers this matter addressed.Sincerely,Lisa M[redacted]Executive Client Relations

Review: I purchased a vehicle at [redacted] in 8/2014. When I completed the contract, I had to revisit the dealership 2 other times due to Mazda providing incorrect terms of the car and selling a car that they falsely advertised the miles. When I finally got correct contract my first car payment was due 11/27/2014. I made the car payment by due date and when into PNC branch located in [redacted], FL. The teller who took payment processed payment incorrectly to a closed car loan but by then I had started to receive constant calls from PNC that I was late. Then they told me I could remake payment. I had to show proof of payment with receipt and each month after. I received a letter from Customer service recently stating I was late and I had to pay 399.67. When I called they told me they didn't know what this amount was from as I showed up to date. I asked according to my car contract I have a 10 day grace period before late fees. Today, 8/09/2016 I was told they do not give grace periods. This company, PNC bank does not need to be providing car loans. They need serious re-structuring of their terms.Desired Settlement: I would like a revision of my terms and to have a higher up from company call to discuss this loan

Business

Response:

On Thu, Sep 15, 2016 at 10:40 AM, [redacted]> wrote:Good Morning [redacted] PNC Bank, N.A. responded [redacted] on September 15, 2016, and considers this matter addressed. Thank you. Eric B[redacted]Executive Client Relations, Officer

Review: At 10:47pm on Monday March 14th, 2016, I received an email from PNC telling me my account balance was $63.59. At 11:30pm, I checked my "Virtual Wallet" for my account balance, which showed $201 available, plus my payroll deposit which was "pending." At midnight, my husband also checked our account like he does every night before bed, to find the same. When I woke up at 8:00 the next morning, I discovered not one, but THREE $36 overdraft fees. Upon reviewing my emails, I found an email received at 3:08am stating my account was overdrawn, and another at 4:34am showing my payroll deposit (the same payroll which showed "pending" at 11:30 the evening prior). I immediately opened my Virtual Wallet to find that 3 checks/payments had cleared through the night. Since my payroll was showing at 11:30pm, I called my local PNC bank. I was told the manager was out of the office, but that I would either hear from him later in the day or first thing the next morning (today.) At 2:00 today, March 16th, I had yet to hear from him. My husband and I went to the bank to discuss the issue in person. Upon our arrival, we asked to speak to the manager who we found to be sitting at his desk looking at [redacted]. He asked what he could do to help us and I told him I was very disappointed to not have received a phone call from him today after the other individual told me I would. He immediately knew who I was and what the issue was. He explained that he had been sick all day (in and out of the bathroom) and had not had the opportunity to call me. He further went on to explain that any deposits made after 10:00pm go on the "next business day," but any checks that come in after 10:00 will go on current business day. So, even though my payroll was deposited at 11:00, it would not clear until the next day. He further went on to explain that "The Federal Reserve" releases all checks at midnight AT EVERY BANK, and that would go on current business day. So, even though my money was in there, the checks cleared before it did and cost me $108. He did tell us he "stuck his neck out" to refund us one of the $36 fees, but there was nothing he could do about the others. I immediately informed him that upon my other payments and checks clearing, I would be transferring my accounts to [redacted] National Bank. I further explained that this is not the practice of ANY OTHER BANK I have ever dealt with, and he stated that it's like this at EVERY BANK. After leaving PNC, I went directly to People's National Bank and opened a checking account. I was told there that any posts, deposits or withdrawals are posted to my online banking in real time. They further explained that unless there is someone physically in the bank to post checks at midnight, those checks, as well, would go on the next business day... contrary to what Glenn at PNC told me. Furthermore, during the entire day of March 15th, my payroll continued to show that it was "pending" even though my employer stated the funds are to be available on the 15th. Glen (the manager) stated that even though it stated they were "pending," they were available in my account. So, I asked if that was the case, were they available at 11:30 the night before when they were "pending" and I was hit with overdraft fees from checks that cleared at midnight. He said they were not available until the next business day. The fact that the Virtual Wallet shows there is money in my account, but waits until midnight to post or show checks that clear is misleading and borderline fraudulent.Desired Settlement: I want the remaining $72 in overdraft fees refunded to my account and for PNC to be more transparent in their practices. Virtual Wallet should show "real time" balances.

Business

Response:

On Fri, Apr 29, 2016 at 4:12 PM, <[redacted]> wrote:Dear Ms. [redacted], PNC Bank, N.A. responded to Ms. [redacted] on April 29, 2016, and considers this matter addressed. Sincerely, Lisa M[redacted] Client Relations Manager Executive Client Relations