PNC Financial Services Group, Inc.

Review: This issue is in the matter of account ending in [redacted]. On the date of August 5th 2014 two overdraft fees were added to the account in error totaling $72.00. The account in question was never at any point overdrawn or in the negative. PNC Bank added these fees in error and is being held accountable for there negligence. It is with will and wish to have this issue corrected.Desired Settlement: The two fees that were added to the account totaling $72.00 need to be refunded. Due to the error of PNC Bank.

Business

Response:

PNC has responded directly to the client. No release was provided.

Consumer

Response:

Review: My mortgage servicing was outrageously handled by PNC. Their complaint process is also outrageous, they have promised 30 day responses but have spent 100+ days and 60+ days responding to complaint letters. They avoid responding directly to the issues I raise or change the topic, such that the process is being dragged out.1) They were unable to keep my phone number in their system and it was automatically replaced with older numbers that hadn't been used in years. They kept updating the number but it would be automatically replaced. I wrote complaint letters to them about this but it they did nothing. Their service agents did nothing. So I was unable to keep any context with their agents and would have to explain many months of issues over and over again.2) They changed my address due to a bug in their system and did not mail me the legally certified required pre-forclosure notice. They said the mailman attempted to deliver it, but that does that matter when he attempted to deliver it to the wrong address, they refused to respond further when I stated that this was not an acceptable response.3) They required I submit the same Making Home Affordable form 5 times, each time I would call in a day or two after submittal to confirm it was received and accepted. They would tell me it's good, nothing else to do. Then 4-8 weeks later after each submittal they would say the fax came through too dark and they needed it submitted again holding up the evaluation process for many months. This even occurred after their own agents took an email and submitted it. I got this issue raised to management .eventually to get it resolved.4) I noted on the Making Home Affordable app that I was requesting assistance on a property that was not my primary residence. It had a field to list the mortgage or your principal residence under which I entered the rent I pay on my principal residence. They discarded this information. They denied my modification but refused to provide any details of why.Desired Settlement: As they denied me a repayment plan as my expenses were to high and also refused to provide any details into why I was denied for modification other than "You're expenses and income have not changed" instead of telling me they found any issues with my form. As well as the fact that their technical issues altering my contact information continuously I ask that they remove all negative credit reporting from my account as I could have tried to sell my home much earlier and avoided missed payments.

Business

Response:

This letter is written in response to your correspondence regarding Mr. [redacted]. PNC Mortgage sent a written response to Mr. [redacted] on April 29, 2014 and addressed the concerns expressed in Revdex.com Case #[redacted]. The Revdex.com did not provide a signed authorization form with the Revdex.com Customer Complaint.

Sincerely,

Officer / Customer Relations Manager

Executive Resolution Center

Consumer

Response:

Review: I have paid PNC Bank $40 per month since Dec. 2013 for a service they never set up. I went to four different PNC Banks to try to get the issue resolved, and they did not resolve the issue, nor did they ever provide the service, but they continued to charge me $40 for the service. This problem continued until August 2015. PNC Bank only partially refunded the fees I paid them for the service. I told them to cancel the service in August 2015. Despite having this in writing, and the PNC rep knowing I canceled the service (that was never set up, even though I was being charged) PNC continued to charge me $40 per month. In November 2015, they increased the fee, to $52 per month. I contacted PNC (the same person I've been dealing with countless times on this problem) and he said PNC would only reimburse $40 of the $52 dollars PNC stole from my account. I say stole, because PNC knew they weren't authorized to take money from my account, but did so any way, and once again, only partially reimbursed me for the money they took from my account, despite them not providing a service, and despite my written request three months prior to not charge my account for the service. PNC Bank is the worst bank I have ever dealt with. I think their actions are intentional, and potentially criminal, and they should be investigated by the appropriate government entity.Desired Settlement: I want to be fully refunded for 100% of the money PNC took from my account for the service they never set up.

Business

Response:

PNC Bank, N.A. responded to [redacted] on December 14, 2015, and considers the matter addressed.

Review: I had this Virtual Wallet account for 2 1/2 months. My account was compromised and I found three bogus debits totaling $338. I called PNC and they said "maybe" after an investigation, I would get my money back in 10 days. They then charged my account $7.50 for a replacement card without notifying me. They charged me a check delivery fee of $18.45 twice. I asked for a refund on May 22 and still have not received it. My checking accounts or credit card accounts have never been wrongfully charged in my entire life. The debits of $338 were to a phone company in Texas that I had never heard of, but PNC knew right away who the company was.Desired Settlement: I want my $338 back, my $18.45 back and $7.50 for a replacement card refunded. I have never been charged for a replacement card.

Business

Response:

no authorization on file. response being sent to customer ** 8-11-2014

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: This bank is not customer friendly. I have tried several times this week to get assistance with my overdraft problem. I was wrongfully charged to start 3 overdraft fees. The account had more than sufficient funds to cover payments bank needed to make. Due to when the deposit posted VS the payment the account continues to be charged fees. When I visited the branch I was told by the representative at the bank if I have a problem with the service that I could go to a different bank. their policies are not helping their customers. Not only did they charge 3 fees on the 10th but then continued 3 more on the 15 & now 3 more on the 17th when clearly there was a check deposited in the account. With the difficult times we are going through these days I dont believe charing one person $360 in bank fees is fair. I have tried to work it out with the bank and I was told I need to "learn how to manage my money". I hope you can help because this bank is not cooperating. I felt insulted and almost degrated when I went to their branch because they talked to me as if I was an ignorant person. Thank youDesired Settlement: Their policies are complicated that not even their personel know the correct answer. 1st I was told that cash deposit in the "new" ATMs is available immediately but after this situation I see that is not correct. After reviewing my account several times I dont believe any of the fees were correct but if I have to take responsibility I will only take it for one the other 9 are incorrect & injust. The only reason why I did not already close the account is because I need statement record.

Business

Response:

To Whom It May Concern:

PNC Bank received the complaint for Ms. [redacted] on July 23, 2013. We have evaluated the information and mailed the response to client. We do not have written authorzation from Ms. [redacted] to respond to your office. Should you have any further questions, please feel free to contact me at ###-###-####.

Sincerely,

Executive Client Relations

PNC Bank

Review: I strongly feel PNC bank has been, under our revised credit card act, unlawfully allowing my checking account to be over withdrawn and consequently charging me hundreds of dollars in fees. Since losing my job I, on 3 separate occasions, went to a local branch and requested my account to be closed or blocked in some way so that no more over withdrawals could happen. On each of the 3 occasions I was persuaded to keep my account during my difficult unemployed financial times and assured the account would be monitored. Since those events my account has still been allowed to be over withdrawn multiple times and I am now bound to the account since I am not allowed to close it while the amount is in the negative. I simply do not understand how they are allowed to continually do this. I understand I have a responsibility to keep track of my account and make sure these kind of things do not happen. I however cannot control those companies, such as [redacted] and [redacted], who try to take money out of my account. It was my understanding that this credit act was suppose to abolish those practices.Desired Settlement: PNC bank should refund all fees related to overdraft fees.

Business

Response:

Dear Mr. [redacted],

Please allow me to respond to your complaint filed on July 12, 2013 with the Revdex.com (Revdex.com), regarding overdraft occurrences on your PNC Bank, National Association Checking Account ending [redacted]. I appreciate the opportunity to address your concerns.

The terms and conditions of your checking account is governed by the PNC Virtual Wallet FINEPRINT "What You Need To Know" (Agreement). PNC Bank's Virtual Wallet with Performance Spend Features and Fees disclosure is part of the Agreement When you opened your checking account PNC provided copies of these documents to you. For your reference copies are enclosed.

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 account. Pending transactions immediately impact the balance used to pay items presented for payment during nightly processing We receive transaction information from merchants and other sources throughout the business day. Although 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 non­sufficient 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 transaction. Details of our policy are disclosed in the Pending Transactions section of the Agreement.

Please reference the section of the Agreement titled Payment of Overdrafts for Checks, ACH Transactions, and Preauthorized Automatic Debits, which advises these types of withdrawals are subject to associated overdraft fees when processed against your account, if they exceed the available balance and create an overdraft. This section of the Agreement also discloses that if, in our sole discretion, we choose to allow these withdrawals when there is not sufficient available funds in your account, you agree to repay us immediately the amount of any funds advanced to you.

My review of your account history indicates the fees were assessed appropriately However, our records confirm that on June 17, 2013, eleven (11) $7.00 Continuous Overdraft fees were refunded as an accommodation. While we appreciate the concern expressed in your complaint, we respectfully decline your request for additional refunds.

Options such as Overdraft Protection or 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 you effectively manage the account and avoid the assessment of fees.

Enclosed for your records are copies of the following:

• PNC Virtual Wallet FINEPRINT "What You Need To Know"

• PNC Bank's Virtual Wallet with Performance Spend Features and Fees

• Overdraft Notices dated June 10, Jun 19, June 21, and July 19, 2013.

• Checking Account Statements dated June 7, 2013 and July 8, 2013.

Thank you for allowing us to clarify our position in this matter. If you have any questions or additional concerns, please call me toll free at ###-###-####-544-3954. I am available Monday through Friday from 8:00 AM to 4:45 PM. Eastern Standard Time

Consumer

Response:

Regardless of what is in fine print on the agreement I signed I made multiple efforts to prevent further overdrafts to occur, personally speaking with representatives at my local branch yet the fine print of my agreement was never brought to my attention. Through my thorough research I would like to cite a very clearly stated law with in the [redacted] in which they did not follow

Review: I have an auto loan with PNC Bank. I was on auto pay for 4 years. I deactivated autopay last year and currently mail my payments in. When I did change over, I requested payment booklets from PNC 3 weeks prior to my due date. I did not receive booklets until 5 days prior to due date. I immedietely wrote check and placed in mail the same day. 5 business days is plenty of time for a letter to get to [redacted] from [redacted] The day after due date starting at 8 am and every 3 hrs, I started receiving robo calls from [redacted] Consumer Services. I thought they were solicitation calls so I ignored. They never left a message. I then started receiving calls on my cell phone from them. Again, no message. So I called them back to see who they were. They stated it was PNC Bank and that they did not receive car note payment. I told service rep that that it is quite ridiculous to call people a day after due date when customers are mailing payment. You should give grace time due to mail. He stated they dont access late fee until 15 days after due date if payment not received but it is still considered late. I stated to him that there may be times that PO is slow and do not appreciate being called and harassed repeatedly. I asked him to correspond with me by mail or email only. This month for some reason, payment was not there on the actual due date again. [redacted] consumer services called me again at 8am the next day telling me my payment was late. I asked them to not call me prior and my bill is most likely sitting on someones desk. I told him the date I mailed it and he stated the PO was closed that day. I stated that it doesnt matter because I can still mail letters, they just dont go out until next day. He also states that the PO is not reliable and that I should pay on line or by phone. I cant't pay on-line because I dont have a banking account with PNC and they charge a fee for over the phone and I prefer to have a documented copy made by me for any transactions. It is my prerogative how I choose to pay. He was rude and condescending and I did not appreciate the harassment on a loan that I have never been late on in 4 years. He stated that he is gonna call me in a couple days if they don't get payment.Desired Settlement: I would prefer they correspond with me by mail or email ONLY if they have issues with my loan payment.

Business

Response:

February 20, 2015 [redacted] Re: Revdex.com (“Revdex.com”) Complaint No. [redacted] Dear Ms. [redacted], Please allow me to respond to your complaint filed on January 29, 2015 with the Revdex.com (“Revdex.com”) regarding your PNC Bank, National Association (“PNC") auto loan ending in [redacted] (“Account"). I appreciate the opportunity to respond. Our records indicate that on November 10, 2014 a payment in the amount of $536.84 was due. It is PNC’s practice to call borrowers if a payment has not been received by the due date. When PNC did not receive payment by that date, PNC attempted to contact you. I apologize if you feel our telephone calls were excessive. Per your written request, we have removed your phone number from our records and marked our files with your request to cease collection attempts by phone. Please note that while phone calls will cease if a Cease and Desist is placed, you are not relieved of your obligation to pay this debt. Thank you for your time in allowing me to clarify our position. I attempted to contact you on January 29, and February 4, 2015 via phone and email to ensure your satisfaction with this resolution, however I was unsuccessful in reaching you. If you have any additional questions or concerns, or would like to further discuss your experience, I welcome the opportunity to speak with you. Please call me toll free at ###-###-####, my extension is ###-###-####, which is also my direct phone number. I am available Monday through Friday from 9:00 AM to 5:30 PM, Eastern Standard Time. [redacted] Officer / Customer Relations Manager Executive Client Relations

Consumer

Response:

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.

PNC Bank DID NOT address the date of my complaint (January 26) and the rudeness of the representative. As I stated in my complaint, I informed him that it was mailed and he kept saying that they didn't get it. I told him the exact date that I mailed it and he says the PO was closed that day and was indirectly calling me a liar. He also stated that I should for future reference pay on line (which I can not do because I do not have a PNC Bank account) or set up auto pay because the PO is not reliable. Really? If PNC Bank feels that the PO is not reliable then they should not give people the option to pay by mail. This loan has NEVER been late because it was on auto pay for 4.5 years and I chose to remove it last October. As I stated prior, I requested booklets for payment back in early October but I did not receive booklets until 5 days prior to due date and I mailed off the day I received them. That was the first call..the very next day after due date. This loan has always been paid on time and it is really sad that PNC Bank is harassing people because the PO is a little slow one month? I believe that my check was sitting on someones desk or because of snow storms in the area, the mail was slow in January. My payment did not post for 10 days after mailing. It normally posts within 5 days. I could imagine how they treat customers who are actually not paying for their loan. They don't access a late fee until 10 days after due date and for the record, I have NEVER been accessed a late fee and always mail in enough time for it to get there by the due date. In addition, their response to my complaint was that they would cease and desist phone calls but 'you are not relieved of your obligation to pay this debt' I did not asked to be relieved of my debt! It was not even necessary for the dig by PNC. I just asked not to harass paying customers because my check is not on the billing departments desk on the due date because of post office delays. They should give grace time for delivery as most creditors do. This has only happened to me twice (once being PNC Banks fault and the other the PO) since I started paying this loan by mail. In addition, the claims manager totally and completely ignored the rude and inappropriate comments the [redacted] Consumer Representative said to me and the phone call date. I will NEVER ever deal with PNC Bank again and based on their F rating and bad reviews on Web and Revdex.com, many others wont either.

Review: The computer system manipulates dates of transactions in order to charge overdraft fees on items that were processed 24 hours earlier. I check accounts daily 2-3 times and have an automatic transfer that comes out on the 20 th to my savings. In the morning of the 20th(every month) 25 dollars is transferred. Well I spent that money on the 20th the last 2 months and on the evening of the 20th at midnight the bank charges me an overdraft fee for the transfer. And on the 21st the computer has manipulated the transfer to say it went through on the morning of the 21st when it actually went through on the morning of the 20th. I've seen it happen the last 2 months. The same thing. On the morning of the 20th that 25 has already been transferred and I spend it. Then on the morning of the 21st I get charged an overdraft fee for the transfer. I talk to the bank reps and they all tell me Yw computer says this and I'm wrong but I watch the accounts and see it. I totaled my fees from banking there last year and was charged approximately $600.00 total for 3 accounts. I am closing all accounts in the morning.Desired Settlement: I want to feel like a valued customer. I wants fees from last month and this month refunded.

Business

Response:

PNC Bank, N.A. responded to [redacted] on July 22, 2015, and considers this matter addressed

Review: Calling a phone number they have been asked not to call as well as changing personal contact information without my consent

I have asked on multiple occasions for PNC not to contact a number I have to constantly change my personal information as they update per their statement of credit reporting agency's which I have had my credit pulled and my new number is listed.

I am also told once I make a payment my account will be noted they then go in change the number and continually call. I have as well corresponded with them about that issue.

My complaint is them continually changing my personal contact information without my permission calling the number I have on several occasions asked them not to call in writing.

I have the email correspondecesDesired Settlement: for PNC mortgage to not contact the phone number that I have asked them not to contact to stop changing my personal contact information.

Business

Response:

PNC Bank, N.A. responded to [redacted] on July 2, 2015, and considers this matter addressed.

Review: My account was in the negative and I realize that, I have another account that is in the positive for my bills. I was paying the negative account down little at a time eventhough the negative was because of the way pnc process debit cards and checks in the account. They went into my account without me knowledge and took 252.00 out of my account because I had another positive account. They have causes hardship. When I called they said that they have a right to do this. I don't care if they do it was not authorized by me and it was not that I was not going to pay it. I pay my debits and it would have become positive. I was never charged off and anytime it was in the negative it was paid.Desired Settlement: I want my account refunded back and I want this to be noted on my account that they are not authorized to do this again. They should not be allowed to just take money from another account because it is in the positive.

Business

Response:

Please See Attachment[redacted]. 11-20-2013

Review: I have been trying to refinance my mortgage since before July 25th.Have been working with 4 people. One of which was fired. I was dealing with Guy M[redacted], Elizabeth M[redacted] Heba O[redacted] and Jennifer C[redacted].They took a long time to get back with me(weeks at time with no response). I was told we were going to close on Tuesday and I would have the paperwork by Monday Night, so I could look it over. The paperwork was not ready until 3pm Tuesday on the closing day. That is not enough time to go over it before signing it. Elizabeth told me we if we extend it until Wednesday I would owe over $600 dollars more that I would have to bring to closing plus I would have to give them my house payment to them and also pay my house payment to my current mortgage company. This has been a very long and ridiculous process. It should not take over 3 months to finish this up. They also said the price would be even more to do later, so I told them we didn't want to go through with it. I should be able to see the paper work at least for 24 hours before we close and this didn't happen I also had to tear down a spring house that was supposedly unsafe.A spring house is an old building over a spring, it was over 100 years old. But it was safe and sound. Guy M[redacted] said we didn't have to tear it down, I emailed him a copy of my original appraisal for the house only 5 years ago.Then when Elizabeth and Heba took over. they said tear it down. I did everything quickly they ask for. I emailed within minutes most of the stuff they wanted. It only took me 10 minutes to send them the original appraisal. nothing was longer then 8 hours except taking down the spring house. which was done over the weekend. I have had 2 other refinances done and they took only 1 month. I have emails that help my case.

Product_Or_Service: refinanceDesired Settlement: DesiredSettlementID: Refund

I had to pay $2000 to tear it down the spring house.(they did it in 2 days over the weekend, no business days affected) and $500 for an appraisal(which I never got a copy of). I would like $2500 refunded to me and also want additional $1000 for not being able to get the same low rate now. That is a total of $3500 for all of my troubles. The spring house should of never been a problem and I want reimbursed for having to tear it down. I could also ask for it to be r

Business

Response:

"PNC takes our customer's concerns very seriously. We will be working privately with ourcustomer to resolve this issue."

Consumer

Response:

I believe PNC has had more then enough time to resolve this matter on their own. on 10-27-15 I told them I didn't want to proceed and pay more money. I emailed the CEO on 11-1-15 and I also emailed Elizabeth on 11-6-15 to pass it up to her boss. Today is 11-18-15 I have not heard one word from PNC. No one called to tell me they wanted to help me or resolve this matter. Or even said let me check into this and I will get back with you. Thank you, [redacted]

Review: In 2013, I opened a savings account with PNC bank and requested for $900 to be automatically deposited into this account on a bi-weekly basis. In 2014, I experienced some unexpected circumstances that caused me to frequently transfer money from my savings account into the checking account. I received correspondence in the mail that informed me of fees that will eventually accrue on the account due to me exceeding the federal regulations regarding the maximum amount of times that money can be transferred from a savings account. After speaking with a PNC bank representative, I was given options regarding this matter. My options were to convert the savings account into a checking account or closed out the account. I decided to resolve this issue by closing out the account and keeping only my initial checking account with PNC Bank. I was recently sent a letter dated for Feb. 6, 2015 in the mail stating that the account was reflecting a negative $9. After calling customer service on Feb. 19, 2015 and speaking with a rep, I discovered that the account is now $18 negative. When I inquired about the account and informed the representative of all this information, the representative, named [redacted], stated that there was nothing that she can do about it and that the fees will not be waived because, "Its not a bank error". Clearly it is a "bank error" if I called months ago regarding this account and requested to close it. I was under the impression that this "savings account" was closed according to a representative I spoke with months ago regarding this account, so why am I receiving fees on a closed account?Desired Settlement: I would like this account closed and provided verification of the account being closed and the Fees of $18 to be waived.

Business

Response:

PNC has resolved this customer's concern. The fees have been refunded and the Account has been closed. 031315 ASC

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: I called customer service for a question about a charge that was posted to my "free account". They fixed the issue, upgraded my account and sold me a credit card with a 0% intro APR. They told me they could do transfers right there that day(5-13-15), and that is would take up to 10 business days for it to clear. I called 16 (6-4-15)business days later, because it still hadn't cleared my other account despite being posted (and accruing interest)on 5-13. I was on hold with this phone call for a total of 60 minutes, was transferred 3 times, was told by some very rude people that it may take up to 27 business days for this to clear. In addition to the rudeness, no one could tell me when exactly the check was written or if it even had been written. I am upset because these people blatantly lied to me about how long the transfer was going to take. It would have been faster for me to write the check they sent me in the mail and mail it in. I'm being charged interest on both accounts and twice as much debt is being shown on my credit. This is unacceptable.Desired Settlement: I would like a refund for the transfer fees that they charged me, as this should just about cover the extra interest the other bank is charging me on the credit card in which you promised would be paid off in 10 business days.

Business

Response:

PNC Bank, N.A. responded to Ms[redacted] on July 8, 2015, and considers this matter addressed.

Consumer

Response:

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,

Review: In Sept-2013, I had fraud on my personal checking. I went into local branch explained what happened, and they were the most helpful. Got my account closed and set up a new one. My concern then was paying bills and shopping online. I was told to set up virtual wallet and everything would be fine for shopping and online bill pay. The next week my payroll was put in auto depo and I use my online bill pay. The only account I could see online was the new one. SO I pay a huge group od bill. Few days later I get a email that some of the payment were returned. So I call the 800 and they were able to figure out that for some reason on their end 1/2 of the payments came out of the CLOSED acct and some came out of the open acct. I then explained I was worried about fees both from bank and from the comp I paid.The lady I was speaking to advised that she would do stop payments and I sould go in and repay, and that ANY fees on eather end would be reimbursed. Well I had no bank fees but a bunch for the comp I paid. Like I said it was at the bank end that messed up and only some of the payments came out of the CLOSED acc that I could not even see online banking..I have made calls and I got letters that they needed info. So I called back gave them all the info, and still no resolution this has been almost 2 months now, and I have paid PLENTY of return fees charged by the companys I paid. I was told I would be reimbursed by PNC and I am still waiting and fighting. This was not my fault at all, if it was I would have no prob paying for it. I have no problem closing this account and going to a new bank closer to home if this can not get resolved..I should not have to pay for the banks mistake...Desired Settlement: The companies that charged me late payment and return check fees are -( also I have called and sent proof in, and these charges were put on my credit cards and I am paying intrest on it, but I am not asking for that portion of it)[redacted]-103.00[redacted]- 25.[redacted] - 25.[redacted] - 27.50Total of 333.50

Business

Response:

To Whom It May Concern,

PNC Bank received the complaint for Ms. [redacted] on November 12, 2013. We have evaluated the information and have been in contact with the client to resolve the issue. 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,

Executive Client Relations

PNC Bank

Review: PNC is trying to over charge for unpaid interest, which should not exist per my loan. I made all 60 payments and interest should be at $0.00 and they are refusing to send my title and in the interim they have effected our credit reporting. I have been trying to resolve this since 10/15 and have received NO response from anyone at PNC to try and correct the issue.Desired Settlement: The interest should be at $0.00 I should receive my title for my vehicle and credit correction beginning 10/15

Business

Response:

On Tue, Apr 5, 2016 at 3:22 PM, <[redacted]> wrote:Hi [redacted], PNC Bank, N.A. responded to Mr. [redacted] on February 23, 2016, and considers this matter addressed. Thank you, Dave David [redacted] Bank Officer Senior Escalations Representative Executive Client Relations

Review: Back in July of this year, I had purchased some merchandise online. The merchandise that I had received was incorrect, and I had to return it. As a result of this, I had to pay $74.14 out of pocket to return the merchandise. When I had contacted the business to obtain a refund, they stated that they were not going to be reimbursing me for the return shipping costs. As a result of this, I had to file a dispute with PNC BANK, who was my financial institution at the time. They had informed me that under the terms of their consumer protection agreement, I was able to receive a refund. I filed the dispute form, and provided them with a copy of the receipt showing that I had paid to return the merchandise. In September, I received a notice from PNC BANK, stating that they were denying my refund, and did not provide any specific reasoning for doing so, stating only that they were "unable to substantiate my claim", despite the fact that I had provided them with a receipt substantiating proof of payment. On December 9th, I went into my local PNC BANK branch office, and spoke with the manager regarding this issue. She appeared extremely indifferent to the matter, and refused to provide any additional assistance. When I had inquired as to why I would not be receiving a refund, she stated "that's on you". Being extremely dissatisfied with the service that I was receiving, I had informed the manager that I was no longer interested in being a customer at the bank, and had my account closed. As a retaliation for doing so, I received a letter from PNC BANK dated December 25th,stating that I owed $93.95, but there was no specific reasoning stated as to why this was the case. The letter also made threatening statements such as "Please be advised that a continued failure to pay may result in additional fees, Account closure and the overdraft amount being reported as a delinquency to Chex Systems". After contacting customer service at PNC BANK,they were still unable to provide me with a reasonable explanation.Desired Settlement: I would like to be refunded the $74.14 that I am owed, and for these ridiculous charges of $93.95 to be dismissed immediately.

Business

Response:

Please allow me to respond to your complaint filed on January 5, 2015 with the Revdex.com ("Revdex.com”) regarding your PNC Bank, National Association ("PNC”) checking account ("Account”) ending in [redacted]. I appreciate the opportunity to address your concerns. On July 22, 2014 and July 24, 2014, PNC received two (2) disputes from you alleging errors related to two (2) debit card transactions from [redacted] in the amount of $284.51 that posted to your Account on July 1, 2014, and [redacted] in the amount of $74.14 that posted your Account on July 11, 2014. The information provided in the disputes indicated that you authorized the transactions but the items were returned. Upon receipt of these disputes, PNC began the investigation into the disputed transactions. Provisional credit in the amounts of $284.51 and $74.14 were issued to your Account while we investigated your claim. Written notification of the provisional credits along with a dispute questionnaire requesting additional information related to the claims with a ‘reply by’ date of August 08, 2014 was mailed to your address of record. On August 12, 2014, PNC received the returned questionnaire. On August 25, 2014, PNC denied your dispute in the amount of $74.14 as PNC determined that based on the information available to us at that time, the transaction processed as instructed by the merchant and was related to the returned merchandise and the USPS provided the service and returned the merchandise per your request. Subsequently, this result was communicated to you and you were advised that the provisional credit in the amount of $74.14 that was previously issued to your Account would be reversed in five (5) business days from the date of the letter. On September 02, 2014, the provisional credit in the amount of $74.14 was reversed from your Account. On October 20, 2014, your dispute in the amount of $284.51 was finalized and written notification was mailed to your address of record advising you that the provisional credit in the amount of $284.51 that was previously issued to your Account on July 22, 2014 was made final. Your complaint also included concerns regarding an overdrawn balance on your Account. To request account closure, all outstanding transactions, credits and/or debits, must post to your Account prior to closing. Our records confirm that on December 9, 2014, you withdrew $[redacted] from your Account but had a transaction that had not yet posted. A transaction in the amount of $25.00 from [redacted] was processed against your Account on December 9, 2014, resulting in an overdrawn balance of $25.00. On December 10, 2014, a $1.05 PNC Purchase Payback Award was credited to your Account and notification was mailed to your address on record detailing the December 9, 2014 account activity. A copy of this notice is enclosed.Additionally, fourteen (14) $7.00 Continuous Overdraft Fees totaling $98.00 were assessed from December 15, 2014 through December 29, 2014. As disclosed in PNG’s Consumer Schedule of Service Charges and Fees within the Overdraft Services section, there is a $7 per day fee assessed each day the account remains overdrawn for 5 or more consecutive calendar days, up to a maximum of $98. A copy of the Consumer Schedule of Service Charges and Fees is enclosed for your reference. It is PNC’s practice to refund any fee assessed as the result of a proven bank error. However, PNC is sympathetic to your concerns. On December 30, 2014, the (14) $7.00 Continuous Overdraft Fees were refunded to your Account as a courtesy resulting in an overdrawn balance of $23.95. On December 31, 2014, PNC issued a courtesy credit in the amount of $23.95 and closed the Account as you requested on January 7, 2015. The Account was not reported to Chex Systems as it was closed with a zero balance. Thank you for allowing us to clarify our position in this matter. If you have any questions or additional concerns, please call me toll free at ###-###-####-[redacted]. I am available Monday through Friday from 8:00 AM to 4:45 PM, Eastern Standard Time. Sincerely,[redacted]Assistant Vice President Executive Client Relations Enterprise Escalation Group

Consumer

Response:

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,

Review: Charges overdraft fees on online banking. If choosing to pay a bill online for example for 2/19/14 taking money out 4 days before. This is undeard of, is this even legal??Desired Settlement: This has happened a few times. I want to be compensated for my time to look into this AND having to wastes MY time doign their job by calling them and the payee whom I am paying

Business

Response:

To Whom It May Concern,

PNC Bank received the complaint for Ms. [redacted] on March 19, 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,

Executive Client Relations

PNC Bank

Review: PNC Bank was unwilling to help me with a recent identity theft. They were uncooperative on the phone and quite rude throughout my interaction with this terrible company. The representative I spoke with seem confused and often contradicted themselves when explaining what could and could not be provided regarding identity theft.Desired Settlement: This company needs to use better security measures when opening new accounts.

Business

Response:

On Mon, Feb 2, 2015 at 4:27 PM, <[redacted]> wrote:Good Afternoon Ms. [redacted], PNC has worked directly with Mr. [redacted] regarding his concern. If you have any questions regarding this matter, please feel free to contact me at the number listed below. Sincerely, [redacted] Client Relations Manager Executive Client Relations

Review: The Manager of this branch is rude to her customers and has an overall bad attitude towards them. On two occasions over the past month my business account was charged a series of penalty fees for no justifiable reason other than PNC Banks own deficient internal tech systems. I was polite about this issue initially thinking that PNC Bank would want to fix this problem. In this process, I went into the branch three times over the course of two days and patiently waited for a resolution. In sum, this wasted hours of my time. The manager at this branch refused to make any effort to provide any kind of customer service and/or resolve the matter. Her tone with customers is appalling. She speaks loudly and rudely on the floor to customers about their personal account information. This got to a point where I told her very clearly that if this problem wasn't resolved, I would have no choice but to move my company and personal account(s) over to another bank... In response she was arrogant and simply barked "you can go ahead, do whatever you want to do". I should mention that I have been a customer of this bank for more than 10-years as have my associates. The fact that PNC Bank has a bad manager at this branch and deficient tech systems (bank wide), is NOT a license to steal money from customers.Desired Settlement: Reimbursement of fees and a written apology.

Business

Response:

This letter is written for response to your correspondence regarding [redacted]. PNC Bank has addressed his additional concerns. We have responded directly to his concerns via

October 22, 2013

. Please allow five to ten business days for his to receive the response. The Revdex.com did not provide a signed authorization form with the Revdex.com Customer Complaint. Due to this, we are cannot provide specific resolution.

Sincerely,

[redacted], Officer

Review: On December 17, 2014 I was issued a cashiers check in the amount of $780.65 to pay for my moving in fees into my new apartment. On January 2 I received a call from the leasing manager of my apartment building that my cashiers check was rented. I contacted the [redacted] PNC branch and eventually they admitted it was their mistake and would work in conjunction with the leasing manager of my building not only to resolve the issue but to also to pay for the late fee incurred in the amount of $50. The PNC branch contacted me to collect the check promised on Jan. 7 however it was still in the same amount as the original check without the $50 late ($780.65). I asked about the rest of the amount and was given an unclear answer yet was promised again that the $50 late will be taken care of. This has been a frustrating experience in which PNC has already given me a horrible start in a new community I wish to live in.Desired Settlement: I just ask that the [redacted] PNC branch stick to their word and pay off the late fee of $50. And with PNC prolonging this payment there is a potential of the fee increasing.

Business

Response:

To Whom It may Concern,PNC Bank received the complaint for Mr. [redacted] on January 12, 2015. We have evaluated the information and mailed the response to client. 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

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.