PNC Financial Services Group, Inc.

Tell us why here...Our records indicate that our Merchant Services Account Specialist spoke with Mr*** as recently as May 13, 2015. PNC considers this issue resolvedThank you ,Melissa G***Executive Client Relations

To Whom It May Concern, PNC Bank received the complaint for Mr*** on February 12, We have evaluated the information and spoke to client to address his concernsWe do not have written authorization from Mr*** to respond to your officeShould you have any further
questions, please feel free to contact me at ###-###-####.Sincerely, *** ***Executive Client RelationsPNC Bank

Response has been mailed to borrower today. We provided an explaination to the borrower explaining the error that occurred and detailed how we corrected the problem

PNC Bank received this complaint from *** ***. We do not have written authorization from Mr *** to respond to your office. We have resolved the issue directly with the client. Should you have any further questions , please feel free to contact me at
####-###-####
*** *** Executive Client Relations
Enterprise Escalation Group

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

PNC reviewed the issue and refunded the fee as a courtesy An explanation was provided to the customer

A written response was mailed to the customer on 2-19-
DLS for GS

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.Contrary to what the company claims, I was explicitly told that the life of the loan would not be extended in any way This was one of the reasons I accepted the company's initial offer for a loan modificationFurther, the notarized acceptance of the terms was due to the company's claim that if we did not accept the offer immediately and within the very short time frame given, that our house would be foreclosed onThis was the very first time that we had seen the modification terms in writing, and two weeks is a grossly insufficient amount of time for us to meet with our *** Legal advisor to go over the contractIn addition, I called numerous times to the single point of contact assigned to me by the company to request additional time to review the contract and our legal options after seeing the changed terms, but like all of the other attempts to contact the company, I only received a voicemail system and my messages were not returnedWe felt undue pressure to avoid the threatened foreclosure because it would directly affect my security clearance in the ***, and would likely result in my terminationAnd again to reiterate, we accepted the company's offer of a modification because we were told it would make the mortgage more affordable and that the life of the loan would not be extendedThe loan ended up being less affordable, resulted in a higher amount than at origination, and the loan life was extended contrary to what was explicitly told us.
Regards,
*** ***

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

January 5, Mr*** *** ** *** *** *** ** *** RE: Consumer Financial Protection Bureau (“CFPB”) Case Number *** Dear Mr. *** Please allow me to respond to your complaint filed on November 6, with the Consumer Financial Protection Bureau (“CFPB”), regarding your PNC Bank, National Association ("PNC11) Home Equity Loan ending in *** ("Loan")I appreciate the opportunity to address your concernsFor reference, PNC is successor by merger to National City Bank as of December 31, The Loan was opened on May 14, Our records reflect that there were no payments made to this Loan from December 29, 2008, until June 30, Subsequently, the Loan was charged off on August 12, with a balance owing of $***, which included finance charges and late feesWhen the Loan was charged off, that status was submitted to the consumer reporting agencies to which we report (“Agencies")PNC has been reporting a declining balance in the Current Balance and Amount Past Due fields to the Agencies to reflect the payments you have been making since the charge offAdditionally, PNC has been reporting the Last Payment Date field to the Agencies to reflect your most recent payment date, I have included a copy of the payment history for your recordsA review of your Loan has been conductedPNC has determined that the information we provided to the Agencies is accurate and completeYour Loan Is a fixed rate simple interest loanNothing about your Loan is predatoryEnclosed is a copy of the Loan NoteOn behalf of PNC, I appreciate the opportunity to clarify our positionIf you have any additional questions or concerns regarding this matter, please contact me at ###-###-####, extension ###-###-####, which is also my direct telephone number, Monday through Friday, 8:00am-4:30pm, ESTSincerely, *** *** *** *** Officer Executive Client Relations PNC Bank

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 receive the deposit back after weeksHowever, I have had plenty of additional expenses because of it and did not receive a reimbursment for itLet's keep in mind that this was a fraudulent encashment of
my check by PNC bank and it was caused by an error in PNCs policy and proceduresTo prove my point I am attaching a 2nd check ( doesn't require reimbursement ) which is written out to "*** ***" , which
was also cashed by PNCThey basically cash ALL check they receive - regadless of the payeeThat cant be legal in the United States
So my additional expenses were:
USD temporary load
USD UPS overnight fees
USD notary fees
USD fax fees
Total USD expenses
In additional I called Mr *** *** around times, I called the PNC treasury department times, PNC Operations , *** *** Customer service, *** *** Fraud Department , *** *** Customer relations etc etcto a total of around hours phone time I kindly request reimbursement for time and expenses.
Any proof that PnC is changing the policy and procedure around lockbox checks would be great , too.
Thank you
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***

Please allow me to respond to your complaint filed on October 27, with the Revdex.com of Western Pennsylvania (“Revdex.com”), regarding your PNC Bank, National Association (“PNC") Business Checking Account ending in *** titled *** *** *** ("Account")I appreciate the
opportunity to address your concernsPNC discontinued the sale of the Free Business Checking account on March 23, Existing customers were notified via statement message that their Free Business Checking account would become a Business Checking Account in August *** *** *** was notified of the upcoming changes in advance of the effective date, including pricing details, via a series of statement messages beginning in January, In your Account statement for the period dated January through January 31, 2014, there was an announcement about the upcoming changes scheduled for August, which included pricing information*** *** *** received a reminder of the upcoming changes in its statement for the period of March 1, through March 31, Finally, PNC sent another reminder about the changes which, like the first message in January, included pricing informationThis reminder was included on *** *** *** statement for the period of May 1, through May 30, Copies of these statements are enclosed for your recordsThe January and May statement announcements advised that if the Account maintained a $1,average monthly collected balance, the $monthly Account Maintenance Fee would not be assessedIn addition, the May statement also provided ways to avoid the Account Maintenance Fee by using a linked PNC business credit card to make minimum $in eligible purchases in the billing cycle ending immediately prior to the date the monthly Account Maintenance Fee would be assessed to the Account, or by maintaining a linked Merchant Services account {excludes Pogo from PNC Bank)A courtesy refund totaling $was issued on September 15, for the $monthly Account Maintenance Fee, $Cash Flow insight Fee, and $Paper Statement Fee assessed on September 2, Your request for additional refunds is respectfully declinedOur records confirm that you enrolled in Cash Flow Insight on December 27, Your Account v/as closed by you on October 28, with a zero balanceOn behalf of PNC, I apologize for any inconvenience you may have experienced with this matterIf you have any additional questions or concerns, please contact me toll free at ###-###-####, My extension is ###-###-#### and I am available Monday through Friday from 8:AM to 4:PM, Eastern Standard TimeSincerely, *** ***Executive Client Relations Enterprise Escalation Group Enclosures

To Whom It May Concern:
PNC Bank did not receive written third party authorization to allow us to discuss this matter. We have responded directly to our client
-
*** ***
Officer
Executive Client Relations
PNC Bank

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 provided everything requested by PNC: PNC said it does not have the
leaflet, I provided photo copy of the leafletPNC said it's fuzzy, I provided a clear oneAt the request of a branch of PNC, I provided evidence that a customer of PNC who was in the exact same situation as myself got a payment of $from PNC. But PNC did not honor my request by now.
Regards,
*** ***

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

To Whom it may Concern:This is in response to your correspondence regarding Mr*** ***PNC spoke directly with Mr*** on March 5, and provided resolution to the concerns expressed in the Revdex.com complaintThe Revdex.com did not provide a signed authorization form with the Revdex.com complaint.If
you have additional questions, please contact me directly at ###-###-####.Sincerely,*** ***OfficerExecutive Client RelationsPNC Bank

PNC responded to Mr*** on April 7, and he considers the matter resolvedThank you

To Whom It May Concern,
PNC Bank received the complaint for Ms. *** on September 24, 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 Relations
PNC Bank

On Mon, Jan 12, at 1:PM, wrote:These complaints have been resolved by PNC *** on 1-9-Please update our records. Thank you *** ***Assistant Vice PresidentExecutive Client Relations Enterprise Escalation Group

PNC Bank received the complaint for Ms*** on November 7, We have evaluated the information and spoke to client to address her concernsOn November 25, 2014, PNC finalized the dispute and written notification was mailed advising you that final credit in the amount od
$607.00 was issued to your Account. Should you have any further questions, please feel free to contact me at ###-###-####
Sincerely,
*** ***
Executive Client Relations
PNC Bank